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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 | $61,476 | $135,639-54.7% | $110,241-44.2% | $135,382-54.6% |
| Participation rate | 88.9% | 83.5%+5.4pp | 79.8%+9.1pp | 82.6%+6.2pp |
| Annual return | -5.31% | 513.21%-518.5pp | 314.75%-320.1pp | 519.77%-525.1pp |
| Employer contribution / active EE | $2,153 | $4,907-56.1% | $3,827-43.7% | $4,779-54.9% |
| Participant deferral / active EE | $5,805 | $5,507+5.4% | $4,672+24.2% | $5,609+3.5% |
| Admin fee / account holder | $3,165 | $11,457-72.4% | $8,548-63.0% | $10,829-70.8% |