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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 | $147,177 | $180,459-18.4% | $154,108-4.5% | $135,380+8.7% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -1.07% | 888.21%-889.3pp | 735.21%-736.3pp | 519.81%-520.9pp |
| Employer contribution / active EE | $3,154 | $6,035-47.7% | $5,298-40.5% | $4,779-34.0% |
| Participant deferral / active EE | $4,399 | $5,806-24.2% | $5,081-13.4% | $5,609-21.6% |
| Admin fee / account holder | $10,510 | $16,145-34.9% | $13,411-21.6% | $10,828-2.9% |