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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 | $67,514 | $92,766-27.2% | $82,763-18.4% | $134,545-49.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -17.04% | 946.97%-964.0pp | 702.45%-719.5pp | 418.37%-435.4pp |
| Employer contribution / active EE | $2,534 | $3,273-22.6% | $3,008-15.8% | $4,742-46.6% |
| Participant deferral / active EE | $2,676 | $4,802-44.3% | $4,395-39.1% | $6,401-58.2% |
| Admin fee / account holder | $4,033 | $5,978-32.5% | $5,325-24.3% | $11,431-64.7% |