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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 | $81,886 | $138,102-40.7% | $125,381-34.7% | $134,532-39.1% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -12.37% | 750.73%-763.1pp | 572.31%-584.7pp | 418.27%-430.6pp |
| Employer contribution / active EE | $7,383 | $5,245+40.8% | $4,815+53.3% | $4,741+55.7% |
| Participant deferral / active EE | $18,706 | $7,801+139.8% | $7,448+151.2% | $6,401+192.2% |
| Admin fee / account holder | $6,146 | $11,568-46.9% | $10,007-38.6% | $11,429-46.2% |