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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 | $49,164 | $92,743-47.0% | $82,744-40.6% | $134,532-63.5% |
| Participation rate | 90.0% | 75.2%+14.8pp | 72.6%+17.4pp | 81.2%+8.8pp |
| Annual return | -18.54% | 946.63%-965.2pp | 702.22%-720.8pp | 418.27%-436.8pp |
| Employer contribution / active EE | $1,326 | $3,273-59.5% | $3,008-55.9% | $4,741-72.0% |
| Participant deferral / active EE | $6,987 | $4,802+45.5% | $4,395+59.0% | $6,401+9.2% |
| Admin fee / account holder | $7,195 | $5,977+20.4% | $5,325+35.1% | $11,429-37.0% |