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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 | $47,845 | $180,459-73.5% | $154,108-69.0% | $135,380-64.7% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -6.41% | 888.21%-894.6pp | 735.21%-741.6pp | 519.81%-526.2pp |
| Employer contribution / active EE | $2,881 | $6,035-52.3% | $5,298-45.6% | $4,779-39.7% |
| Participant deferral / active EE | $10,644 | $5,806+83.3% | $5,081+109.5% | $5,609+89.8% |
| Admin fee / account holder | $902 | $16,145-94.4% | $13,411-93.3% | $10,828-91.7% |