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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 | $134,356 | $138,076-2.7% | $123,553+8.7% | $135,380-0.8% |
| Participation rate | 87.5% | 84.7%+2.8pp | 82.3%+5.2pp | 82.6%+4.9pp |
| Annual return | -6.28% | 153.70%-160.0pp | 119.21%-125.5pp | 519.81%-526.1pp |
| Employer contribution / active EE | $4,625 | $5,152-10.2% | $4,628-0.1% | $4,779-3.2% |
| Participant deferral / active EE | $9,688 | $6,800+42.5% | $6,426+50.8% | $5,609+72.7% |
| Admin fee / account holder | $1,363 | $10,917-87.5% | $9,284-85.3% | $10,828-87.4% |