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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 | $96,098 | $135,645-29.2% | $110,243-12.8% | $135,379-29.0% |
| Participation rate | 91.3% | 83.5%+7.8pp | 79.8%+11.5pp | 82.6%+8.7pp |
| Annual return | -5.51% | 513.24%-518.7pp | 314.76%-320.3pp | 519.79%-525.3pp |
| Employer contribution / active EE | $3,251 | $4,907-33.7% | $3,827-15.0% | $4,779-32.0% |
| Participant deferral / active EE | $4,857 | $5,507-11.8% | $4,672+3.9% | $5,609-13.4% |
| Admin fee / account holder | $1,274 | $11,458-88.9% | $8,548-85.1% | $10,828-88.2% |