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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 | $190,544 | $152,597+24.9% | $117,533+62.1% | $134,532+41.6% |
| Participation rate | 100.0% | 77.1%+22.9pp | 70.6%+29.4pp | 81.2%+18.8pp |
| Annual return | -17.38% | 53.04%-70.4pp | 29.77%-47.1pp | 418.27%-435.6pp |
| Employer contribution / active EE | $13,683 | $5,576+145.4% | $4,179+227.4% | $4,741+188.6% |
| Participant deferral / active EE | $5,400 | $4,821+12.0% | $4,072+32.6% | $6,401-15.6% |
| Admin fee / account holder | $2,553 | $7,007-63.6% | $5,647-54.8% | $11,429-77.7% |