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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 | $71,227 | $90,617-21.4% | $79,476-10.4% | $135,382-47.4% |
| Participation rate | 91.7% | 76.1%+15.6pp | 73.3%+18.3pp | 82.6%+9.0pp |
| Annual return | -1.75% | 977.57%-979.3pp | 718.21%-720.0pp | 519.77%-521.5pp |
| Employer contribution / active EE | $3,220 | $3,068+5.0% | $2,800+15.0% | $4,779-32.6% |
| Participant deferral / active EE | $2,620 | $4,050-35.3% | $3,704-29.3% | $5,609-53.3% |
| Admin fee / account holder | $955 | $5,907-83.8% | $5,113-81.3% | $10,829-91.2% |