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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 | $74,319 | $97,729-24.0% | $83,830-11.3% | $135,379-45.1% |
| Participation rate | 94.4% | 80.0%+14.5pp | 76.1%+18.3pp | 82.6%+11.8pp |
| Annual return | -3.73% | 1287.52%-1291.2pp | 850.97%-854.7pp | 519.79%-523.5pp |
| Employer contribution / active EE | $1,821 | $4,222-56.9% | $3,631-49.8% | $4,779-61.9% |
| Participant deferral / active EE | $3,768 | $4,683-19.5% | $4,082-7.7% | $5,609-32.8% |
| Admin fee / account holder | $6,694 | $6,674+0.3% | $5,479+22.2% | $10,828-38.2% |