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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 | $82,936 | $138,072-39.9% | $123,549-32.9% | $135,382-38.7% |
| Participation rate | 90.0% | 84.7%+5.3pp | 82.3%+7.7pp | 82.6%+7.4pp |
| Annual return | -5.78% | 153.69%-159.5pp | 119.20%-125.0pp | 519.77%-525.5pp |
| Employer contribution / active EE | $6,517 | $5,152+26.5% | $4,628+40.8% | $4,779+36.4% |
| Participant deferral / active EE | $15,093 | $6,799+122.0% | $6,426+134.9% | $5,609+169.1% |
| Admin fee / account holder | $2,247 | $10,917-79.4% | $9,284-75.8% | $10,829-79.2% |