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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 | $59,651 | $90,607-34.2% | $79,467-24.9% | $135,380-55.9% |
| Participation rate | 94.7% | 76.0%+18.7pp | 73.3%+21.4pp | 82.6%+12.1pp |
| Annual return | -0.76% | 977.74%-978.5pp | 718.30%-719.1pp | 519.81%-520.6pp |
| Employer contribution / active EE | $4,395 | $3,068+43.3% | $2,800+57.0% | $4,779-8.0% |
| Participant deferral / active EE | $2,331 | $4,050-42.4% | $3,704-37.1% | $5,609-58.4% |
| Admin fee / account holder | $1,679 | $5,895-71.5% | $5,104-67.1% | $10,828-84.5% |