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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 | $87,562 | $92,684-5.5% | $82,706+5.9% | $134,509-34.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -15.88% | 945.84%-961.7pp | 701.76%-717.6pp | 418.13%-434.0pp |
| Employer contribution / active EE | $14,001 | $3,272+327.9% | $3,007+365.5% | $4,741+195.3% |
| Participant deferral / active EE | $10,921 | $4,800+127.5% | $4,394+148.6% | $6,400+70.6% |
| Admin fee / account holder | $8,647 | $5,982+44.6% | $5,329+62.3% | $11,427-24.3% |