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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 | $132,348 | $138,076-4.1% | $123,553+7.1% | $135,380-2.2% |
| Participation rate | 88.2% | 84.7%+3.5pp | 82.3%+5.9pp | 82.6%+5.6pp |
| Annual return | -6.52% | 153.70%-160.2pp | 119.21%-125.7pp | 519.81%-526.3pp |
| Employer contribution / active EE | $1,899 | $5,152-63.1% | $4,628-59.0% | $4,779-60.3% |
| Participant deferral / active EE | $4,062 | $6,800-40.3% | $6,426-36.8% | $5,609-27.6% |
| Admin fee / account holder | $8,353 | $10,917-23.5% | $9,284-10.0% | $10,828-22.9% |