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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 | $108,870 | $135,645-19.7% | $110,243-1.2% | $135,380-19.6% |
| Participation rate | 72.2% | 83.5%-11.2pp | 79.8%-7.6pp | 82.6%-10.4pp |
| Annual return | -7.49% | 513.24%-520.7pp | 314.76%-322.2pp | 519.81%-527.3pp |
| Employer contribution / active EE | $5,637 | $4,907+14.9% | $3,827+47.3% | $4,779+18.0% |
| Participant deferral / active EE | $8,242 | $5,507+49.7% | $4,672+76.4% | $5,609+46.9% |
| Admin fee / account holder | $536 | $11,458-95.3% | $8,548-93.7% | $10,828-95.1% |