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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 | $118,148 | $135,645-12.9% | $110,243+7.2% | $135,380-12.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -8.43% | 513.24%-521.7pp | 314.76%-323.2pp | 519.81%-528.2pp |
| Employer contribution / active EE | $3,710 | $4,907-24.4% | $3,827-3.1% | $4,779-22.4% |
| Participant deferral / active EE | $9,725 | $5,507+76.6% | $4,672+108.1% | $5,609+73.4% |
| Admin fee / account holder | $5,652 | $11,458-50.7% | $8,548-33.9% | $10,828-47.8% |