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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 | $78,661 | $138,114-43.0% | $125,391-37.3% | $134,545-41.5% |
| Participation rate | 86.7% | 84.5%+2.2pp | 82.4%+4.3pp | 81.2%+5.4pp |
| Annual return | -12.74% | 750.88%-763.6pp | 572.41%-585.2pp | 418.37%-431.1pp |
| Employer contribution / active EE | $7,081 | $5,246+35.0% | $4,816+47.0% | $4,742+49.3% |
| Participant deferral / active EE | $6,649 | $7,801-14.8% | $7,448-10.7% | $6,401+3.9% |
| Admin fee / account holder | $1,721 | $11,570-85.1% | $10,009-82.8% | $11,431-84.9% |