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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 | $169,573 | $135,645+25.0% | $110,243+53.8% | $135,380+25.3% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -1.85% | 513.24%-515.1pp | 314.76%-316.6pp | 519.81%-521.7pp |
| Employer contribution / active EE | $2,744 | $4,907-44.1% | $3,827-28.3% | $4,779-42.6% |
| Participant deferral / active EE | $7,786 | $5,507+41.4% | $4,672+66.6% | $5,609+38.8% |
| Admin fee / account holder | $3,747 | $11,458-67.3% | $8,548-56.2% | $10,828-65.4% |