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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 | $85,721 | $95,979-10.7% | $74,551+15.0% | $135,380-36.7% |
| Participation rate | 93.8% | 75.7%+18.1pp | 69.1%+24.6pp | 82.6%+11.1pp |
| Annual return | -4.70% | 56.97%-61.7pp | 32.53%-37.2pp | 519.81%-524.5pp |
| Employer contribution / active EE | $1,381 | $2,716-49.2% | $1,961-29.6% | $4,779-71.1% |
| Participant deferral / active EE | $1,056 | $3,844-72.5% | $3,108-66.0% | $5,609-81.2% |
| Admin fee / account holder | $2,638 | $6,522-59.6% | $5,059-47.9% | $10,828-75.6% |