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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 | $148,654 | $138,076+7.7% | $123,553+20.3% | $135,380+9.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.21% | 153.70%-159.9pp | 119.21%-125.4pp | 519.81%-526.0pp |
| Employer contribution / active EE | $3,070 | $5,152-40.4% | $4,628-33.7% | $4,779-35.8% |
| Participant deferral / active EE | $10,026 | $6,800+47.4% | $6,426+56.0% | $5,609+78.7% |
| Admin fee / account holder | $1,142 | $10,917-89.5% | $9,284-87.7% | $10,828-89.5% |