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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 | $41,981 | $180,466-76.7% | $154,114-72.8% | $135,382-69.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -6.88% | 888.15%-895.0pp | 735.16%-742.0pp | 519.77%-526.6pp |
| Employer contribution / active EE | $4,555 | $6,035-24.5% | $5,298-14.0% | $4,779-4.7% |
| Participant deferral / active EE | $3,526 | $5,806-39.3% | $5,081-30.6% | $5,609-37.1% |
| Admin fee / account holder | $8,528 | $16,144-47.2% | $13,411-36.4% | $10,829-21.2% |