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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 | $176,903 | $180,462-2.0% | $154,111+14.8% | $135,379+30.7% |
| Participation rate | 82.4% | 87.4%-5.1pp | 83.0%-0.7pp | 82.6%-0.3pp |
| Annual return | -6.36% | 888.17%-894.5pp | 735.18%-741.5pp | 519.79%-526.2pp |
| Employer contribution / active EE | $4,873 | $6,036-19.3% | $5,298-8.0% | $4,779+2.0% |
| Participant deferral / active EE | $4,536 | $5,806-21.9% | $5,081-10.7% | $5,609-19.1% |
| Admin fee / account holder | $2,805 | $16,145-82.6% | $13,411-79.1% | $10,828-74.1% |