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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 | $110,701 | $138,075-19.8% | $123,552-10.4% | $135,379-18.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -2.69% | 153.70%-156.4pp | 119.20%-121.9pp | 519.79%-522.5pp |
| Employer contribution / active EE | $2,570 | $5,152-50.1% | $4,628-44.5% | $4,779-46.2% |
| Participant deferral / active EE | $5,619 | $6,800-17.4% | $6,426-12.6% | $5,609+0.2% |
| Admin fee / account holder | $3,095 | $10,917-71.6% | $9,285-66.7% | $10,828-71.4% |