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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 | $41,114 | $135,645-69.7% | $110,243-62.7% | $135,380-69.6% |
| Participation rate | 90.0% | 83.5%+6.5pp | 79.8%+10.2pp | 82.6%+7.4pp |
| Annual return | -6.03% | 513.24%-519.3pp | 314.76%-320.8pp | 519.81%-525.8pp |
| Employer contribution / active EE | $3,936 | $4,907-19.8% | $3,827+2.9% | $4,779-17.6% |
| Participant deferral / active EE | $8,793 | $5,507+59.7% | $4,672+88.2% | $5,609+56.8% |
| Admin fee / account holder | $4,187 | $11,458-63.5% | $8,548-51.0% | $10,828-61.3% |