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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 | $85,352 | $180,459-52.7% | $154,108-44.6% | $135,380-37.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -4.82% | 888.21%-893.0pp | 735.21%-740.0pp | 519.81%-524.6pp |
| Employer contribution / active EE | $8,575 | $6,035+42.1% | $5,298+61.9% | $4,779+79.4% |
| Participant deferral / active EE | $5,260 | $5,806-9.4% | $5,081+3.5% | $5,609-6.2% |
| Admin fee / account holder | $616 | $16,145-96.2% | $13,411-95.4% | $10,828-94.3% |