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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 | $56,437 | $90,607-37.7% | $79,467-29.0% | $135,380-58.3% |
| Participation rate | 95.5% | 76.0%+19.4pp | 73.3%+22.1pp | 82.6%+12.8pp |
| Annual return | -2.92% | 977.74%-980.7pp | 718.30%-721.2pp | 519.81%-522.7pp |
| Employer contribution / active EE | $2,507 | $3,068-18.3% | $2,800-10.5% | $4,779-47.5% |
| Participant deferral / active EE | $1,366 | $4,050-66.3% | $3,704-63.1% | $5,609-75.6% |
| Admin fee / account holder | $10,691 | $5,895+81.4% | $5,104+109.5% | $10,828-1.3% |