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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 | $83,724 | $135,645-38.3% | $110,243-24.1% | $135,380-38.2% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -5.80% | 513.24%-519.0pp | 314.76%-320.6pp | 519.81%-525.6pp |
| Employer contribution / active EE | $8,455 | $4,907+72.3% | $3,827+121.0% | $4,779+76.9% |
| Participant deferral / active EE | $5,438 | $5,507-1.3% | $4,672+16.4% | $5,609-3.1% |
| Admin fee / account holder | $855 | $11,458-92.5% | $8,548-90.0% | $10,828-92.1% |