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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 | $102,653 | $180,459-43.1% | $154,108-33.4% | $135,380-24.2% |
| Participation rate | 95.5% | 87.4%+8.0pp | 83.0%+12.4pp | 82.6%+12.8pp |
| Annual return | -4.77% | 888.21%-893.0pp | 735.21%-740.0pp | 519.81%-524.6pp |
| Employer contribution / active EE | $5,145 | $6,035-14.7% | $5,298-2.9% | $4,779+7.7% |
| Participant deferral / active EE | $3,423 | $5,806-41.0% | $5,081-32.6% | $5,609-39.0% |
| Admin fee / account holder | $982 | $16,145-93.9% | $13,411-92.7% | $10,828-90.9% |