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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 | $138,972 | $168,635-17.6% | $147,617-5.9% | $125,389+10.8% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -2.05% | 77.65%-79.7pp | 61.98%-64.0pp | 282.24%-284.3pp |
| Employer contribution / active EE | $15,001 | $6,252+139.9% | $5,564+169.6% | $4,866+208.3% |
| Participant deferral / active EE | $7,222 | $5,507+31.1% | $4,895+47.5% | $5,352+34.9% |
| Admin fee / account holder | $1,013 | $13,580-92.5% | $11,612-91.3% | $9,541-89.4% |