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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 | $182,348 | $138,076+32.1% | $123,553+47.6% | $135,380+34.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -8.18% | 153.70%-161.9pp | 119.21%-127.4pp | 519.81%-528.0pp |
| Employer contribution / active EE | $5,833 | $5,152+13.2% | $4,628+26.0% | $4,779+22.1% |
| Participant deferral / active EE | $4,225 | $6,800-37.9% | $6,426-34.3% | $5,609-24.7% |
| Admin fee / account holder | $1,344 | $10,917-87.7% | $9,284-85.5% | $10,828-87.6% |