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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 | $154,380 | $138,076+11.8% | $123,553+25.0% | $135,380+14.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -5.64% | 153.70%-159.3pp | 119.21%-124.8pp | 519.81%-525.4pp |
| Employer contribution / active EE | $3,061 | $5,152-40.6% | $4,628-33.9% | $4,779-35.9% |
| Participant deferral / active EE | $8,079 | $6,800+18.8% | $6,426+25.7% | $5,609+44.0% |
| Admin fee / account holder | $17,716 | $10,917+62.3% | $9,284+90.8% | $10,828+63.6% |