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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 | $59,898 | $90,607-33.9% | $79,467-24.6% | $135,380-55.8% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -9.30% | 977.74%-987.0pp | 718.30%-727.6pp | 519.81%-529.1pp |
| Employer contribution / active EE | $3,578 | $3,068+16.6% | $2,800+27.8% | $4,779-25.1% |
| Participant deferral / active EE | $4,335 | $4,050+7.0% | $3,704+17.0% | $5,609-22.7% |
| Admin fee / account holder | $864 | $5,895-85.3% | $5,104-83.1% | $10,828-92.0% |