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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 | $74,944 | $138,076-45.7% | $123,553-39.3% | $135,380-44.6% |
| Participation rate | 85.0% | 84.7%+0.3pp | 82.3%+2.7pp | 82.6%+2.4pp |
| Annual return | -5.36% | 153.70%-159.1pp | 119.21%-124.6pp | 519.81%-525.2pp |
| Employer contribution / active EE | $4,188 | $5,152-18.7% | $4,628-9.5% | $4,779-12.4% |
| Participant deferral / active EE | $10,389 | $6,800+52.8% | $6,426+61.7% | $5,609+85.2% |
| Admin fee / account holder | $1,511 | $10,917-86.2% | $9,284-83.7% | $10,828-86.0% |