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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 | $71,617 | $168,635-57.5% | $147,617-51.5% | $125,389-42.9% |
| Participation rate | 95.0% | 88.8%+6.2pp | 84.6%+10.4pp | 83.2%+11.8pp |
| Annual return | -0.62% | 77.65%-78.3pp | 61.98%-62.6pp | 282.24%-282.9pp |
| Employer contribution / active EE | $3,462 | $6,252-44.6% | $5,564-37.8% | $4,866-28.8% |
| Participant deferral / active EE | $8,193 | $5,507+48.8% | $4,895+67.4% | $5,352+53.1% |
| Admin fee / account holder | $547 | $13,580-96.0% | $11,612-95.3% | $9,541-94.3% |