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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 | $97,043 | $180,459-46.2% | $154,108-37.0% | $135,380-28.3% |
| Participation rate | 95.5% | 87.4%+8.0pp | 83.0%+12.4pp | 82.6%+12.8pp |
| Annual return | -5.76% | 888.21%-894.0pp | 735.21%-741.0pp | 519.81%-525.6pp |
| Employer contribution / active EE | $10,743 | $6,035+78.0% | $5,298+102.8% | $4,779+124.8% |
| Participant deferral / active EE | $12,866 | $5,806+121.6% | $5,081+153.2% | $5,609+129.4% |
| Admin fee / account holder | $16,088 | $16,145-0.4% | $13,411+20.0% | $10,828+48.6% |