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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 | $122,905 | $138,102-11.0% | $125,381-2.0% | $134,532-8.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -15.41% | 750.73%-766.1pp | 572.31%-587.7pp | 418.27%-433.7pp |
| Employer contribution / active EE | $5,174 | $5,245-1.4% | $4,815+7.4% | $4,741+9.1% |
| Participant deferral / active EE | $10,963 | $7,801+40.5% | $7,448+47.2% | $6,401+71.3% |
| Admin fee / account holder | $1,087 | $11,568-90.6% | $10,007-89.1% | $11,429-90.5% |