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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 | $168,525 | $138,076+22.1% | $123,553+36.4% | $135,380+24.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -1.67% | 153.70%-155.4pp | 119.21%-120.9pp | 519.81%-521.5pp |
| Employer contribution / active EE | $3,966 | $5,152-23.0% | $4,628-14.3% | $4,779-17.0% |
| Participant deferral / active EE | $6,157 | $6,800-9.5% | $6,426-4.2% | $5,609+9.8% |
| Admin fee / account holder | $4,726 | $10,917-56.7% | $9,284-49.1% | $10,828-56.4% |