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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 | $123,949 | $160,059-22.6% | $140,019-11.5% | $135,379-8.4% |
| Participation rate | 85.0% | 88.5%-3.5pp | 87.5%-2.5pp | 82.6%+2.4pp |
| Annual return | -3.11% | 911.44%-914.6pp | 651.15%-654.3pp | 519.79%-522.9pp |
| Employer contribution / active EE | $3,800 | $6,420-40.8% | $5,605-32.2% | $4,779-20.5% |
| Participant deferral / active EE | $3,655 | $7,641-52.2% | $6,927-47.2% | $5,609-34.8% |
| Admin fee / account holder | $657 | $13,328-95.1% | $10,705-93.9% | $10,828-93.9% |