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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 | $125,695 | $92,684+35.6% | $82,706+52.0% | $134,509-6.6% |
| Participation rate | 86.7% | 75.2%+11.5pp | 72.6%+14.1pp | 81.2%+5.4pp |
| Annual return | -13.67% | 945.84%-959.5pp | 701.76%-715.4pp | 418.13%-431.8pp |
| Employer contribution / active EE | $2,245 | $3,272-31.4% | $3,007-25.4% | $4,741-52.6% |
| Participant deferral / active EE | $5,001 | $4,800+4.2% | $4,394+13.8% | $6,400-21.9% |
| Admin fee / account holder | $2,579 | $5,982-56.9% | $5,329-51.6% | $11,427-77.4% |