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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 | $140,878 | $90,607+55.5% | $79,467+77.3% | $135,380+4.1% |
| Participation rate | 84.2% | 76.0%+8.2pp | 73.3%+10.9pp | 82.6%+1.6pp |
| Annual return | -5.58% | 977.74%-983.3pp | 718.30%-723.9pp | 519.81%-525.4pp |
| Employer contribution / active EE | $1,524 | $3,068-50.3% | $2,800-45.6% | $4,779-68.1% |
| Participant deferral / active EE | $3,603 | $4,050-11.1% | $3,704-2.7% | $5,609-35.8% |
| Admin fee / account holder | $5,314 | $5,895-9.9% | $5,104+4.1% | $10,828-50.9% |