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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 | $107,736 | $168,635-36.1% | $147,617-27.0% | $125,389-14.1% |
| Participation rate | 83.3% | 88.8%-5.4pp | 84.6%-1.3pp | 83.2%+0.1pp |
| Annual return | -1.12% | 77.65%-78.8pp | 61.98%-63.1pp | 282.24%-283.4pp |
| Employer contribution / active EE | $6,828 | $6,252+9.2% | $5,564+22.7% | $4,866+40.3% |
| Participant deferral / active EE | $4,073 | $5,507-26.0% | $4,895-16.8% | $5,352-23.9% |
| Admin fee / account holder | $699 | $13,580-94.9% | $11,612-94.0% | $9,541-92.7% |