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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 | $190,916-55.4% | $160,037-46.8% | $134,545-36.7% |
| Participation rate | 83.3% | 82.0%+1.4pp | 78.0%+5.3pp | 81.2%+2.1pp |
| Annual return | -18.02% | 552.79%-570.8pp | 408.95%-427.0pp | 418.37%-436.4pp |
| Employer contribution / active EE | $3,780 | $4,996-24.3% | $4,226-10.5% | $4,742-20.3% |
| Participant deferral / active EE | $14,035 | $6,925+102.7% | $6,184+127.0% | $6,401+119.2% |
| Admin fee / account holder | $3,043 | $10,497-71.0% | $8,716-65.1% | $11,431-73.4% |