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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 | $98,592 | $138,102-28.6% | $125,381-21.4% | $134,532-26.7% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -16.63% | 750.73%-767.4pp | 572.31%-588.9pp | 418.27%-434.9pp |
| Employer contribution / active EE | $12,189 | $5,245+132.4% | $4,815+153.1% | $4,741+157.1% |
| Participant deferral / active EE | $8,682 | $7,801+11.3% | $7,448+16.6% | $6,401+35.6% |
| Admin fee / account holder | $4,557 | $11,568-60.6% | $10,007-54.5% | $11,429-60.1% |