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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 | $173,934 | $88,603+96.3% | $69,890+148.9% | $134,545+29.3% |
| Participation rate | 100.0% | 74.9%+25.1pp | 70.5%+29.5pp | 81.2%+18.8pp |
| Annual return | -14.97% | 442.93%-457.9pp | 190.84%-205.8pp | 418.37%-433.3pp |
| Employer contribution / active EE | $19,234 | $3,236+494.4% | $2,560+651.2% | $4,742+305.6% |
| Participant deferral / active EE | $22,797 | $4,771+377.8% | $3,848+492.4% | $6,401+256.1% |
| Admin fee / account holder | $1,926 | $10,443-81.6% | $6,267-69.3% | $11,431-83.2% |