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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 | $184,046 | $147,727+24.6% | $115,756+59.0% | $134,545+36.8% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.1%+22.9pp | 81.2%+18.8pp |
| Annual return | -17.21% | 73.96%-91.2pp | 143.14%-160.4pp | 418.37%-435.6pp |
| Employer contribution / active EE | $2,178 | $4,713-53.8% | $3,793-42.6% | $4,742-54.1% |
| Participant deferral / active EE | $9,457 | $7,563+25.0% | $6,254+51.2% | $6,401+47.7% |
| Admin fee / account holder | $3,288 | $14,571-77.4% | $8,124-59.5% | $11,431-71.2% |