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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 | $64,172 | $138,102-53.5% | $125,381-48.8% | $134,532-52.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -3.77% | 750.73%-754.5pp | 572.31%-576.1pp | 418.27%-422.0pp |
| Employer contribution / active EE | $2,861 | $5,245-45.5% | $4,815-40.6% | $4,741-39.7% |
| Participant deferral / active EE | $14,076 | $7,801+80.4% | $7,448+89.0% | $6,401+119.9% |
| Admin fee / account holder | $628 | $11,568-94.6% | $10,007-93.7% | $11,429-94.5% |