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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 | $134,619 | $138,075-2.5% | $123,552+9.0% | $135,379-0.6% |
| Participation rate | 75.0% | 84.7%-9.7pp | 82.3%-7.3pp | 82.6%-7.6pp |
| Annual return | -5.77% | 153.70%-159.5pp | 119.20%-125.0pp | 519.79%-525.6pp |
| Employer contribution / active EE | $2,508 | $5,152-51.3% | $4,628-45.8% | $4,779-47.5% |
| Participant deferral / active EE | $6,906 | $6,800+1.6% | $6,426+7.5% | $5,609+23.1% |
| Admin fee / account holder | $836 | $10,917-92.3% | $9,285-91.0% | $10,828-92.3% |