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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 | $85,053 | $180,459-52.9% | $154,108-44.8% | $135,380-37.2% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -7.58% | 888.21%-895.8pp | 735.21%-742.8pp | 519.81%-527.4pp |
| Employer contribution / active EE | $3,648 | $6,035-39.5% | $5,298-31.1% | $4,779-23.7% |
| Participant deferral / active EE | $17,595 | $5,806+203.0% | $5,081+246.3% | $5,609+213.7% |
| Admin fee / account holder | $664 | $16,145-95.9% | $13,411-95.0% | $10,828-93.9% |