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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 | $128,982 | $138,102-6.6% | $125,381+2.9% | $134,532-4.1% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -12.17% | 750.73%-762.9pp | 572.31%-584.5pp | 418.27%-430.4pp |
| Employer contribution / active EE | $2,098 | $5,245-60.0% | $4,815-56.4% | $4,741-55.8% |
| Participant deferral / active EE | $15,090 | $7,801+93.4% | $7,448+102.6% | $6,401+135.7% |
| Admin fee / account holder | $356 | $11,568-96.9% | $10,007-96.4% | $11,429-96.9% |