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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 | $67,570 | $97,732-30.9% | $83,831-19.4% | $135,380-50.1% |
| Participation rate | 81.8% | 80.0%+1.9pp | 76.1%+5.7pp | 82.6%-0.8pp |
| Annual return | -5.97% | 1287.56%-1293.5pp | 850.99%-857.0pp | 519.81%-525.8pp |
| Employer contribution / active EE | $7,708 | $4,222+82.6% | $3,631+112.3% | $4,779+61.3% |
| Participant deferral / active EE | $6,179 | $4,683+32.0% | $4,082+51.4% | $5,609+10.2% |
| Admin fee / account holder | $8,805 | $6,675+31.9% | $5,479+60.7% | $10,828-18.7% |