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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,931 | $135,645-54.3% | $110,243-43.8% | $135,380-54.3% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -4.66% | 513.24%-517.9pp | 314.76%-319.4pp | 519.81%-524.5pp |
| Employer contribution / active EE | $2,596 | $4,907-47.1% | $3,827-32.2% | $4,779-45.7% |
| Participant deferral / active EE | $5,727 | $5,507+4.0% | $4,672+22.6% | $5,609+2.1% |
| Admin fee / account holder | $16,421 | $11,458+43.3% | $8,548+92.1% | $10,828+51.7% |