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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 | $75,613 | $138,076-45.2% | $123,553-38.8% | $135,380-44.1% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -5.20% | 153.70%-158.9pp | 119.21%-124.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $2,935 | $5,152-43.0% | $4,628-36.6% | $4,779-38.6% |
| Participant deferral / active EE | $10,153 | $6,800+49.3% | $6,426+58.0% | $5,609+81.0% |
| Admin fee / account holder | $1,340 | $10,917-87.7% | $9,284-85.6% | $10,828-87.6% |