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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 | $77,651 | $180,459-57.0% | $154,108-49.6% | $135,380-42.6% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -4.62% | 888.21%-892.8pp | 735.21%-739.8pp | 519.81%-524.4pp |
| Employer contribution / active EE | $4,603 | $6,035-23.7% | $5,298-13.1% | $4,779-3.7% |
| Participant deferral / active EE | $7,318 | $5,806+26.0% | $5,081+44.0% | $5,609+30.5% |
| Admin fee / account holder | $590 | $16,145-96.3% | $13,411-95.6% | $10,828-94.6% |