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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 | $125,566 | $168,635-25.5% | $147,617-14.9% | $125,389+0.1% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -3.64% | 77.65%-81.3pp | 61.98%-65.6pp | 282.24%-285.9pp |
| Employer contribution / active EE | $9,573 | $6,252+53.1% | $5,564+72.0% | $4,866+96.7% |
| Participant deferral / active EE | $9,265 | $5,507+68.2% | $4,895+89.3% | $5,352+73.1% |
| Admin fee / account holder | $1,091 | $13,580-92.0% | $11,612-90.6% | $9,541-88.6% |