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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 | $116,439 | $82,674+40.8% | $125,381-7.1% | $68,486+70.0% |
| Participation rate | 73.7% | 75.1%-1.4pp | 82.4%-8.7pp | 67.9%+5.8pp |
| Annual return | -17.92% | -5.97%-11.9pp | 572.31%-590.2pp | -7.85%-10.1pp |
| Employer contribution / active EE | $3,710 | $3,382+9.7% | $4,815-22.9% | $2,597+42.9% |
| Participant deferral / active EE | $12,186 | $6,111+99.4% | $7,448+63.6% | $4,028+202.6% |
| Admin fee / account holder | $2,477 | $6,277-60.5% | $10,007-75.2% | $5,404-54.2% |