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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 | $108,718 | $138,078-21.3% | $125,363-13.3% | $134,509-19.2% |
| Participation rate | 90.0% | 84.5%+5.5pp | 82.4%+7.6pp | 81.2%+8.8pp |
| Annual return | -16.39% | 750.49%-766.9pp | 572.15%-588.5pp | 418.13%-434.5pp |
| Employer contribution / active EE | $2,218 | $5,245-57.7% | $4,815-53.9% | $4,741-53.2% |
| Participant deferral / active EE | $11,924 | $7,800+52.9% | $7,447+60.1% | $6,400+86.3% |
| Admin fee / account holder | $944 | $11,566-91.8% | $10,005-90.6% | $11,427-91.7% |