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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 | $90,161 | $168,635-46.5% | $147,617-38.9% | $125,389-28.1% |
| Participation rate | 81.8% | 88.8%-7.0pp | 84.6%-2.8pp | 83.2%-1.4pp |
| Annual return | -1.61% | 77.65%-79.3pp | 61.98%-63.6pp | 282.24%-283.9pp |
| Employer contribution / active EE | $1,864 | $6,252-70.2% | $5,564-66.5% | $4,866-61.7% |
| Participant deferral / active EE | $6,084 | $5,507+10.5% | $4,895+24.3% | $5,352+13.7% |
| Admin fee / account holder | $22,049 | $13,580+62.4% | $11,612+89.9% | $9,541+131.1% |