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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 | $104,506 | $135,645-23.0% | $110,243-5.2% | $135,380-22.8% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -7.40% | 513.24%-520.6pp | 314.76%-322.2pp | 519.81%-527.2pp |
| Employer contribution / active EE | $5,383 | $4,907+9.7% | $3,827+40.7% | $4,779+12.6% |
| Participant deferral / active EE | $5,267 | $5,507-4.4% | $4,672+12.7% | $5,609-6.1% |
| Admin fee / account holder | $10,880 | $11,458-5.0% | $8,548+27.3% | $10,828+0.5% |