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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 | $121,000 | $138,075-12.4% | $123,552-2.1% | $135,379-10.6% |
| Participation rate | 87.5% | 84.7%+2.8pp | 82.3%+5.2pp | 82.6%+4.9pp |
| Annual return | -7.59% | 153.70%-161.3pp | 119.20%-126.8pp | 519.79%-527.4pp |
| Employer contribution / active EE | $3,445 | $5,152-33.1% | $4,628-25.6% | $4,779-27.9% |
| Participant deferral / active EE | $10,647 | $6,800+56.6% | $6,426+65.7% | $5,609+89.8% |
| Admin fee / account holder | $819 | $10,917-92.5% | $9,285-91.2% | $10,828-92.4% |