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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 | $45,515 | $92,684-50.9% | $82,706-45.0% | $134,509-66.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -16.50% | 945.84%-962.3pp | 701.76%-718.3pp | 418.13%-434.6pp |
| Employer contribution / active EE | $4,185 | $3,272+27.9% | $3,007+39.2% | $4,741-11.7% |
| Participant deferral / active EE | $9,612 | $4,800+100.3% | $4,394+118.8% | $6,400+50.2% |
| Admin fee / account holder | $1,212 | $5,982-79.7% | $5,329-77.3% | $11,427-89.4% |