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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 | $131,506 | $138,114-4.8% | $125,391+4.9% | $134,545-2.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -14.39% | 750.88%-765.3pp | 572.41%-586.8pp | 418.37%-432.8pp |
| Employer contribution / active EE | $8,819 | $5,246+68.1% | $4,816+83.1% | $4,742+86.0% |
| Participant deferral / active EE | $8,049 | $7,801+3.2% | $7,448+8.1% | $6,401+25.7% |
| Admin fee / account holder | $479 | $11,570-95.9% | $10,009-95.2% | $11,431-95.8% |