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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 | $137,006 | $106,551+28.6% | $91,225+50.2% | $134,532+1.8% |
| Participation rate | 90.0% | 76.8%+13.2pp | 73.2%+16.8pp | 81.2%+8.8pp |
| Annual return | -14.55% | 160.78%-175.3pp | 114.12%-128.7pp | 418.27%-432.8pp |
| Employer contribution / active EE | $4,834 | $3,331+45.1% | $2,851+69.6% | $4,741+2.0% |
| Participant deferral / active EE | $7,134 | $4,718+51.2% | $4,233+68.5% | $6,401+11.5% |
| Admin fee / account holder | $868 | $6,234-86.1% | $5,422-84.0% | $11,429-92.4% |