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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 | $137,030 | $138,076-0.8% | $123,553+10.9% | $135,380+1.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -3.76% | 153.70%-157.5pp | 119.21%-123.0pp | 519.81%-523.6pp |
| Employer contribution / active EE | $1,235 | $5,152-76.0% | $4,628-73.3% | $4,779-74.2% |
| Participant deferral / active EE | $2,587 | $6,800-62.0% | $6,426-59.7% | $5,609-53.9% |
| Admin fee / account holder | $4,243 | $10,917-61.1% | $9,284-54.3% | $10,828-60.8% |