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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 | $125,212 | $180,459-30.6% | $154,108-18.8% | $135,380-7.5% |
| Participation rate | 92.9% | 87.4%+5.4pp | 83.0%+9.8pp | 82.6%+10.2pp |
| Annual return | -6.69% | 888.21%-894.9pp | 735.21%-741.9pp | 519.81%-526.5pp |
| Employer contribution / active EE | $3,116 | $6,035-48.4% | $5,298-41.2% | $4,779-34.8% |
| Participant deferral / active EE | $6,606 | $5,806+13.8% | $5,081+30.0% | $5,609+17.8% |
| Admin fee / account holder | $652 | $16,145-96.0% | $13,411-95.1% | $10,828-94.0% |