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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 | $48,129 | $138,102-65.1% | $125,381-61.6% | $134,532-64.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -16.37% | 750.73%-767.1pp | 572.31%-588.7pp | 418.27%-434.6pp |
| Employer contribution / active EE | $4,716 | $5,245-10.1% | $4,815-2.1% | $4,741-0.5% |
| Participant deferral / active EE | $11,477 | $7,801+47.1% | $7,448+54.1% | $6,401+79.3% |
| Admin fee / account holder | $8,830 | $11,568-23.7% | $10,007-11.8% | $11,429-22.7% |