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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 | $149,821 | $138,076+8.5% | $123,553+21.3% | $135,380+10.7% |
| Participation rate | 90.9% | 84.7%+6.2pp | 82.3%+8.6pp | 82.6%+8.3pp |
| Annual return | -5.18% | 153.70%-158.9pp | 119.21%-124.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $2,820 | $5,152-45.3% | $4,628-39.1% | $4,779-41.0% |
| Participant deferral / active EE | $7,210 | $6,800+6.0% | $6,426+12.2% | $5,609+28.5% |
| Admin fee / account holder | $7,007 | $10,917-35.8% | $9,284-24.5% | $10,828-35.3% |