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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 | $95,375 | $168,635-43.4% | $147,617-35.4% | $125,389-23.9% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -2.87% | 77.65%-80.5pp | 61.98%-64.9pp | 282.24%-285.1pp |
| Employer contribution / active EE | $3,743 | $6,252-40.1% | $5,564-32.7% | $4,866-23.1% |
| Participant deferral / active EE | $16,433 | $5,507+198.4% | $4,895+235.7% | $5,352+207.1% |
| Admin fee / account holder | $414 | $13,580-97.0% | $11,612-96.4% | $9,541-95.7% |