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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 | $98,428 | $138,078-28.7% | $125,363-21.5% | $134,509-26.8% |
| Participation rate | 85.7% | 84.5%+1.2pp | 82.4%+3.3pp | 81.2%+4.5pp |
| Annual return | -18.44% | 750.49%-768.9pp | 572.15%-590.6pp | 418.13%-436.6pp |
| Employer contribution / active EE | $3,598 | $5,245-31.4% | $4,815-25.3% | $4,741-24.1% |
| Participant deferral / active EE | $9,670 | $7,800+24.0% | $7,447+29.8% | $6,400+51.1% |
| Admin fee / account holder | $1,060 | $11,566-90.8% | $10,005-89.4% | $11,427-90.7% |