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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 | $169,731 | $138,076+22.9% | $123,553+37.4% | $135,380+25.4% |
| Participation rate | 70.0% | 84.7%-14.7pp | 82.3%-12.3pp | 82.6%-12.6pp |
| Annual return | -4.08% | 153.70%-157.8pp | 119.21%-123.3pp | 519.81%-523.9pp |
| Employer contribution / active EE | $4,490 | $5,152-12.8% | $4,628-3.0% | $4,779-6.0% |
| Participant deferral / active EE | $11,787 | $6,800+73.3% | $6,426+83.4% | $5,609+110.1% |
| Admin fee / account holder | $939 | $10,917-91.4% | $9,284-89.9% | $10,828-91.3% |