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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 | $129,904 | $95,979+35.3% | $74,551+74.2% | $135,380-4.0% |
| Participation rate | 94.4% | 75.7%+18.8pp | 69.1%+25.3pp | 82.6%+11.8pp |
| Annual return | -6.61% | 56.97%-63.6pp | 32.53%-39.1pp | 519.81%-526.4pp |
| Employer contribution / active EE | $13,943 | $2,716+413.3% | $1,961+611.0% | $4,779+191.8% |
| Participant deferral / active EE | $5,131 | $3,844+33.5% | $3,108+65.1% | $5,609-8.5% |
| Admin fee / account holder | $2,447 | $6,522-62.5% | $5,059-51.6% | $10,828-77.4% |