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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 | $128,657 | $168,635-23.7% | $147,617-12.8% | $125,389+2.6% |
| Participation rate | 92.9% | 88.8%+4.1pp | 84.6%+8.2pp | 83.2%+9.7pp |
| Annual return | -1.78% | 77.65%-79.4pp | 61.98%-63.8pp | 282.24%-284.0pp |
| Employer contribution / active EE | $2,762 | $6,252-55.8% | $5,564-50.4% | $4,866-43.2% |
| Participant deferral / active EE | $6,052 | $5,507+9.9% | $4,895+23.6% | $5,352+13.1% |
| Admin fee / account holder | $1,269 | $13,580-90.7% | $11,612-89.1% | $9,541-86.7% |