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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 | $168,272 | $138,075+21.9% | $123,552+36.2% | $135,379+24.3% |
| Participation rate | 93.3% | 84.7%+8.6pp | 82.3%+11.0pp | 82.6%+10.7pp |
| Annual return | -3.54% | 153.70%-157.2pp | 119.20%-122.7pp | 519.79%-523.3pp |
| Employer contribution / active EE | $6,445 | $5,152+25.1% | $4,628+39.3% | $4,779+34.9% |
| Participant deferral / active EE | $7,363 | $6,800+8.3% | $6,426+14.6% | $5,609+31.3% |
| Admin fee / account holder | $728 | $10,917-93.3% | $9,285-92.2% | $10,828-93.3% |