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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 | $85,144 | $190,862-55.4% | $159,991-46.8% | $134,509-36.7% |
| Participation rate | 83.3% | 82.0%+1.4pp | 78.0%+5.4pp | 81.2%+2.1pp |
| Annual return | -18.02% | 552.59%-570.6pp | 408.82%-426.8pp | 418.13%-436.2pp |
| Employer contribution / active EE | $3,780 | $4,995-24.3% | $4,225-10.5% | $4,741-20.3% |
| Participant deferral / active EE | $14,035 | $6,924+102.7% | $6,183+127.0% | $6,400+119.3% |
| Admin fee / account holder | $3,043 | $10,495-71.0% | $8,715-65.1% | $11,427-73.4% |