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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 | $89,197 | $190,916-53.3% | $160,037-44.3% | $134,545-33.7% |
| Participation rate | 95.2% | 82.0%+13.3pp | 78.0%+17.3pp | 81.2%+14.0pp |
| Annual return | -17.42% | 552.79%-570.2pp | 408.95%-426.4pp | 418.37%-435.8pp |
| Employer contribution / active EE | $4,941 | $4,996-1.1% | $4,226+16.9% | $4,742+4.2% |
| Participant deferral / active EE | $6,064 | $6,925-12.4% | $6,184-1.9% | $6,401-5.3% |
| Admin fee / account holder | $1,963 | $10,497-81.3% | $8,716-77.5% | $11,431-82.8% |