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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 | $79,900 | $138,078-42.1% | $125,363-36.3% | $134,509-40.6% |
| Participation rate | 91.7% | 84.5%+7.2pp | 82.4%+9.3pp | 81.2%+10.4pp |
| Annual return | -12.72% | 750.49%-763.2pp | 572.15%-584.9pp | 418.13%-430.9pp |
| Employer contribution / active EE | $7,172 | $5,245+36.8% | $4,815+49.0% | $4,741+51.3% |
| Participant deferral / active EE | $3,827 | $7,800-50.9% | $7,447-48.6% | $6,400-40.2% |
| Admin fee / account holder | $776 | $11,566-93.3% | $10,005-92.2% | $11,427-93.2% |