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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 | $156,177 | $138,114+13.1% | $125,391+24.6% | $134,545+16.1% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -16.47% | 750.88%-767.4pp | 572.41%-588.9pp | 418.37%-434.8pp |
| Employer contribution / active EE | $4,716 | $5,246-10.1% | $4,816-2.1% | $4,742-0.5% |
| Participant deferral / active EE | $7,500 | $7,801-3.9% | $7,448+0.7% | $6,401+17.2% |
| Admin fee / account holder | $3,852 | $11,570-66.7% | $10,009-61.5% | $11,431-66.3% |