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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 | $72,545 | $82,630-12.2% | $64,105+13.2% | $125,393-42.1% |
| Participation rate | 92.9% | 75.9%+17.0pp | 68.2%+24.7pp | 83.2%+9.7pp |
| Annual return | -2.51% | 1489.72%-1492.2pp | 791.24%-793.8pp | 282.23%-284.7pp |
| Employer contribution / active EE | $0 | $2,671-100.0% | $1,820-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $5,611 | $3,608+55.5% | $2,822+98.9% | $5,351+4.9% |
| Admin fee / account holder | $543 | $6,382-91.5% | $4,499-87.9% | $9,541-94.3% |