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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 | $65,173 | $92,766-29.7% | $82,763-21.3% | $134,545-51.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -7.48% | 946.97%-954.5pp | 702.45%-709.9pp | 418.37%-425.9pp |
| Employer contribution / active EE | $4,252 | $3,273+29.9% | $3,008+41.3% | $4,742-10.3% |
| Participant deferral / active EE | $13,299 | $4,802+176.9% | $4,395+202.6% | $6,401+107.7% |
| Admin fee / account holder | $1,866 | $5,978-68.8% | $5,325-65.0% | $11,431-83.7% |