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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 | $133,947 | $168,635-20.6% | $147,617-9.3% | $125,389+6.8% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -3.10% | 77.65%-80.8pp | 61.98%-65.1pp | 282.24%-285.3pp |
| Employer contribution / active EE | $9,148 | $6,252+46.3% | $5,564+64.4% | $4,866+88.0% |
| Participant deferral / active EE | $10,697 | $5,507+94.2% | $4,895+118.5% | $5,352+99.9% |
| Admin fee / account holder | $772 | $13,580-94.3% | $11,612-93.3% | $9,541-91.9% |