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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 | $88,516 | $135,645-34.7% | $110,243-19.7% | $135,380-34.6% |
| Participation rate | 94.4% | 83.5%+11.0pp | 79.8%+14.6pp | 82.6%+11.8pp |
| Annual return | -6.42% | 513.24%-519.7pp | 314.76%-321.2pp | 519.81%-526.2pp |
| Employer contribution / active EE | $7,500 | $4,907+52.8% | $3,827+96.0% | $4,779+56.9% |
| Participant deferral / active EE | $9,708 | $5,507+76.3% | $4,672+107.8% | $5,609+73.1% |
| Admin fee / account holder | $307 | $11,458-97.3% | $8,548-96.4% | $10,828-97.2% |