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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 | $97,573 | $138,076-29.3% | $123,553-21.0% | $135,380-27.9% |
| Participation rate | 88.9% | 84.7%+4.2pp | 82.3%+6.6pp | 82.6%+6.2pp |
| Annual return | -6.60% | 153.70%-160.3pp | 119.21%-125.8pp | 519.81%-526.4pp |
| Employer contribution / active EE | $4,262 | $5,152-17.3% | $4,628-7.9% | $4,779-10.8% |
| Participant deferral / active EE | $7,582 | $6,800+11.5% | $6,426+18.0% | $5,609+35.2% |
| Admin fee / account holder | $4,648 | $10,917-57.4% | $9,284-49.9% | $10,828-57.1% |