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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 | $96,611 | $90,320+7.0% | $59,496+62.4% | $125,388-23.0% |
| Participation rate | 80.0% | 68.3%+11.7pp | 54.6%+25.4pp | 83.2%-3.2pp |
| Annual return | -2.89% | 369.13%-372.0pp | 182.05%-184.9pp | 282.24%-285.1pp |
| Employer contribution / active EE | $8,773 | $1,792+389.7% | $1,153+660.9% | $4,866+80.3% |
| Participant deferral / active EE | $6,397 | $2,716+135.5% | $1,829+249.7% | $5,352+19.5% |
| Admin fee / account holder | $2,873 | $3,063-6.2% | $2,232+28.7% | $9,541-69.9% |