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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 | $130,764 | $104,116+25.6% | $71,089+83.9% | $135,380-3.4% |
| Participation rate | 75.0% | 65.7%+9.3pp | 54.6%+20.4pp | 82.6%-7.6pp |
| Annual return | -9.47% | 1256.51%-1266.0pp | 650.65%-660.1pp | 519.81%-529.3pp |
| Employer contribution / active EE | $907 | $1,485-38.9% | $1,088-16.6% | $4,779-81.0% |
| Participant deferral / active EE | $5,653 | $2,524+124.0% | $1,873+201.9% | $5,609+0.8% |
| Admin fee / account holder | $12,136 | $4,142+193.0% | $3,082+293.7% | $10,828+12.1% |