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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 | $109,851 | $180,459-39.1% | $154,108-28.7% | $135,380-18.9% |
| Participation rate | 76.9% | 87.4%-10.5pp | 83.0%-6.1pp | 82.6%-5.7pp |
| Annual return | -3.66% | 888.21%-891.9pp | 735.21%-738.9pp | 519.81%-523.5pp |
| Employer contribution / active EE | $5,211 | $6,035-13.7% | $5,298-1.6% | $4,779+9.0% |
| Participant deferral / active EE | $8,576 | $5,806+47.7% | $5,081+68.8% | $5,609+52.9% |
| Admin fee / account holder | $1,614 | $16,145-90.0% | $13,411-88.0% | $10,828-85.1% |