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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 | $85,666 | $138,072-38.0% | $123,549-30.7% | $135,382-36.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -3.85% | 153.69%-157.5pp | 119.20%-123.1pp | 519.77%-523.6pp |
| Employer contribution / active EE | $1,634 | $5,152-68.3% | $4,628-64.7% | $4,779-65.8% |
| Participant deferral / active EE | $5,142 | $6,799-24.4% | $6,426-20.0% | $5,609-8.3% |
| Admin fee / account holder | $5,786 | $10,917-47.0% | $9,284-37.7% | $10,829-46.6% |