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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 | $89,969 | $138,072-34.8% | $123,549-27.2% | $135,382-33.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.72% | 153.69%-159.4pp | 119.20%-124.9pp | 519.77%-525.5pp |
| Employer contribution / active EE | $9,987 | $5,152+93.9% | $4,628+115.8% | $4,779+109.0% |
| Participant deferral / active EE | $7,966 | $6,799+17.2% | $6,426+24.0% | $5,609+42.0% |
| Admin fee / account holder | $601 | $10,917-94.5% | $9,284-93.5% | $10,829-94.5% |