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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 | $183,419 | $190,916-3.9% | $160,037+14.6% | $134,545+36.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -16.35% | 552.79%-569.1pp | 408.95%-425.3pp | 418.37%-434.7pp |
| Employer contribution / active EE | $3,026 | $4,996-39.4% | $4,226-28.4% | $4,742-36.2% |
| Participant deferral / active EE | $5,419 | $6,925-21.7% | $6,184-12.4% | $6,401-15.3% |
| Admin fee / account holder | $1,160 | $10,497-88.9% | $8,716-86.7% | $11,431-89.8% |