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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 | $47,746 | $135,639-64.8% | $110,241-56.7% | $135,382-64.7% |
| Participation rate | 94.1% | 83.5%+10.7pp | 79.8%+14.3pp | 82.6%+11.5pp |
| Annual return | -4.92% | 513.21%-518.1pp | 314.75%-319.7pp | 519.77%-524.7pp |
| Employer contribution / active EE | $4,927 | $4,907+0.4% | $3,827+28.8% | $4,779+3.1% |
| Participant deferral / active EE | $9,002 | $5,507+63.5% | $4,672+92.7% | $5,609+60.5% |
| Admin fee / account holder | $5,345 | $11,457-53.3% | $8,548-37.5% | $10,829-50.6% |