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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 | $84,705 | $138,102-38.7% | $125,381-32.4% | $134,532-37.0% |
| Participation rate | 92.9% | 84.5%+8.4pp | 82.4%+10.5pp | 81.2%+11.6pp |
| Annual return | -15.44% | 750.73%-766.2pp | 572.31%-587.7pp | 418.27%-433.7pp |
| Employer contribution / active EE | $3,612 | $5,245-31.1% | $4,815-25.0% | $4,741-23.8% |
| Participant deferral / active EE | $10,388 | $7,801+33.2% | $7,448+39.5% | $6,401+62.3% |
| Admin fee / account holder | $15,033 | $11,568+30.0% | $10,007+50.2% | $11,429+31.5% |