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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 | $39,602 | $168,636-76.5% | $147,618-73.2% | $125,388-68.4% |
| Participation rate | 95.8% | 88.8%+7.1pp | 84.6%+11.2pp | 83.2%+12.6pp |
| Annual return | -3.38% | 77.65%-81.0pp | 61.98%-65.4pp | 282.24%-285.6pp |
| Employer contribution / active EE | $5,649 | $6,252-9.7% | $5,565+1.5% | $4,866+16.1% |
| Participant deferral / active EE | $3,736 | $5,507-32.2% | $4,895-23.7% | $5,352-30.2% |
| Admin fee / account holder | $8,072 | $13,580-40.6% | $11,612-30.5% | $9,541-15.4% |