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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 | $73,560 | $92,684-20.6% | $82,706-11.1% | $134,509-45.3% |
| Participation rate | 80.0% | 75.2%+4.8pp | 72.6%+7.4pp | 81.2%-1.2pp |
| Annual return | -2.37% | 945.84%-948.2pp | 701.76%-704.1pp | 418.13%-420.5pp |
| Employer contribution / active EE | $4,101 | $3,272+25.3% | $3,007+36.3% | $4,741-13.5% |
| Participant deferral / active EE | $7,064 | $4,800+47.2% | $4,394+60.8% | $6,400+10.4% |
| Admin fee / account holder | $309 | $5,982-94.8% | $5,329-94.2% | $11,427-97.3% |