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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 | $107,028 | $90,606+18.1% | $79,466+34.7% | $135,379-20.9% |
| Participation rate | 71.4% | 76.0%-4.6pp | 73.3%-1.9pp | 82.6%-11.2pp |
| Annual return | -7.18% | 977.69%-984.9pp | 718.28%-725.5pp | 519.79%-527.0pp |
| Employer contribution / active EE | $1,858 | $3,068-39.4% | $2,800-33.6% | $4,779-61.1% |
| Participant deferral / active EE | $9,142 | $4,050+125.7% | $3,704+146.8% | $5,609+63.0% |
| Admin fee / account holder | $1,175 | $5,895-80.1% | $5,104-77.0% | $10,828-89.1% |