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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 | $109,828 | $90,617+21.2% | $79,476+38.2% | $135,382-18.9% |
| Participation rate | 78.9% | 76.1%+2.9pp | 73.3%+5.6pp | 82.6%-3.7pp |
| Annual return | -6.07% | 977.57%-983.6pp | 718.21%-724.3pp | 519.77%-525.8pp |
| Employer contribution / active EE | $3,082 | $3,068+0.5% | $2,800+10.1% | $4,779-35.5% |
| Participant deferral / active EE | $5,927 | $4,050+46.3% | $3,704+60.0% | $5,609+5.7% |
| Admin fee / account holder | $3,951 | $5,907-33.1% | $5,113-22.7% | $10,829-63.5% |