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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 | $79,465 | $138,075-42.4% | $123,552-35.7% | $135,379-41.3% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -0.73% | 153.70%-154.4pp | 119.20%-119.9pp | 519.79%-520.5pp |
| Employer contribution / active EE | $3,227 | $5,152-37.4% | $4,628-30.3% | $4,779-32.5% |
| Participant deferral / active EE | $7,789 | $6,800+14.6% | $6,426+21.2% | $5,609+38.9% |
| Admin fee / account holder | $4,865 | $10,917-55.4% | $9,285-47.6% | $10,828-55.1% |