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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 | $196,884 | $135,645+45.1% | $110,243+78.6% | $135,380+45.4% |
| Participation rate | 75.0% | 83.5%-8.5pp | 79.8%-4.8pp | 82.6%-7.6pp |
| Annual return | -6.85% | 513.24%-520.1pp | 314.76%-321.6pp | 519.81%-526.7pp |
| Employer contribution / active EE | $2,612 | $4,907-46.8% | $3,827-31.7% | $4,779-45.3% |
| Participant deferral / active EE | $5,732 | $5,507+4.1% | $4,672+22.7% | $5,609+2.2% |
| Admin fee / account holder | $430 | $11,458-96.2% | $8,548-95.0% | $10,828-96.0% |