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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 | $75,209 | $180,462-58.3% | $154,111-51.2% | $135,379-44.4% |
| Participation rate | 94.4% | 87.4%+7.0pp | 83.0%+11.4pp | 82.6%+11.8pp |
| Annual return | -6.27% | 888.17%-894.4pp | 735.18%-741.5pp | 519.79%-526.1pp |
| Employer contribution / active EE | $2,860 | $6,036-52.6% | $5,298-46.0% | $4,779-40.1% |
| Participant deferral / active EE | $6,262 | $5,806+7.9% | $5,081+23.3% | $5,609+11.7% |
| Admin fee / account holder | $716 | $16,145-95.6% | $13,411-94.7% | $10,828-93.4% |