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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 | $29,401 | $138,078-78.7% | $125,363-76.5% | $134,509-78.1% |
| Participation rate | 90.0% | 84.5%+5.5pp | 82.4%+7.6pp | 81.2%+8.8pp |
| Annual return | -14.67% | 750.49%-765.2pp | 572.15%-586.8pp | 418.13%-432.8pp |
| Employer contribution / active EE | $4,586 | $5,245-12.6% | $4,815-4.8% | $4,741-3.3% |
| Participant deferral / active EE | $11,570 | $7,800+48.3% | $7,447+55.4% | $6,400+80.8% |
| Admin fee / account holder | $1,384 | $11,566-88.0% | $10,005-86.2% | $11,427-87.9% |