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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 | $167,236 | $138,068+21.1% | $125,358+33.4% | $134,493+24.3% |
| Participation rate | 80.0% | 84.5%-4.5pp | 82.4%-2.4pp | 81.2%-1.2pp |
| Annual return | -17.35% | 750.30%-767.7pp | 572.03%-589.4pp | 418.01%-435.4pp |
| Employer contribution / active EE | $3,173 | $5,244-39.5% | $4,814-34.1% | $4,740-33.1% |
| Participant deferral / active EE | $6,233 | $7,799-20.1% | $7,447-16.3% | $6,400-2.6% |
| Admin fee / account holder | $6,285 | $11,568-45.7% | $10,007-37.2% | $11,425-45.0% |