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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 | $196,042 | $138,102+42.0% | $125,381+56.4% | $134,532+45.7% |
| Participation rate | 76.9% | 84.5%-7.6pp | 82.4%-5.5pp | 81.2%-4.3pp |
| Annual return | -16.64% | 750.73%-767.4pp | 572.31%-588.9pp | 418.27%-434.9pp |
| Employer contribution / active EE | $1,850 | $5,245-64.7% | $4,815-61.6% | $4,741-61.0% |
| Participant deferral / active EE | $3,996 | $7,801-48.8% | $7,448-46.3% | $6,401-37.6% |
| Admin fee / account holder | $5,628 | $11,568-51.4% | $10,007-43.8% | $11,429-50.8% |