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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 | $111,490 | $135,639-17.8% | $110,241+1.1% | $135,382-17.6% |
| Participation rate | 88.9% | 83.5%+5.4pp | 79.8%+9.1pp | 82.6%+6.2pp |
| Annual return | -6.31% | 513.21%-519.5pp | 314.75%-321.1pp | 519.77%-526.1pp |
| Employer contribution / active EE | $12,298 | $4,907+150.6% | $3,827+221.4% | $4,779+157.3% |
| Participant deferral / active EE | $8,526 | $5,507+54.8% | $4,672+82.5% | $5,609+52.0% |
| Admin fee / account holder | $3,667 | $11,457-68.0% | $8,548-57.1% | $10,829-66.1% |