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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 | $66,471 | $135,645-51.0% | $110,243-39.7% | $135,380-50.9% |
| Participation rate | 90.0% | 83.5%+6.5pp | 79.8%+10.2pp | 82.6%+7.4pp |
| Annual return | -7.68% | 513.24%-520.9pp | 314.76%-322.4pp | 519.81%-527.5pp |
| Employer contribution / active EE | $3,474 | $4,907-29.2% | $3,827-9.2% | $4,779-27.3% |
| Participant deferral / active EE | $7,327 | $5,507+33.0% | $4,672+56.8% | $5,609+30.6% |
| Admin fee / account holder | $997 | $11,458-91.3% | $8,548-88.3% | $10,828-90.8% |