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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 | $90,936 | $138,076-34.1% | $123,553-26.4% | $135,380-32.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -3.50% | 153.70%-157.2pp | 119.21%-122.7pp | 519.81%-523.3pp |
| Employer contribution / active EE | $12,201 | $5,152+136.8% | $4,628+163.6% | $4,779+155.3% |
| Participant deferral / active EE | $7,851 | $6,800+15.5% | $6,426+22.2% | $5,609+40.0% |
| Admin fee / account holder | $3,075 | $10,917-71.8% | $9,284-66.9% | $10,828-71.6% |