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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 | $110,292 | $180,462-38.9% | $154,111-28.4% | $135,379-18.5% |
| Participation rate | 91.7% | 87.4%+4.2pp | 83.0%+8.6pp | 82.6%+9.0pp |
| Annual return | -6.15% | 888.17%-894.3pp | 735.18%-741.3pp | 519.79%-525.9pp |
| Employer contribution / active EE | $4,615 | $6,036-23.5% | $5,298-12.9% | $4,779-3.4% |
| Participant deferral / active EE | $3,045 | $5,806-47.6% | $5,081-40.1% | $5,609-45.7% |
| Admin fee / account holder | $15,537 | $16,145-3.8% | $13,411+15.9% | $10,828+43.5% |