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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 | $37,499 | $138,075-72.8% | $123,552-69.6% | $135,379-72.3% |
| Participation rate | 80.0% | 84.7%-4.7pp | 82.3%-2.3pp | 82.6%-2.6pp |
| Annual return | -3.92% | 153.70%-157.6pp | 119.20%-123.1pp | 519.79%-523.7pp |
| Employer contribution / active EE | $4,618 | $5,152-10.4% | $4,628-0.2% | $4,779-3.4% |
| Participant deferral / active EE | $8,699 | $6,800+27.9% | $6,426+35.4% | $5,609+55.1% |
| Admin fee / account holder | $12,721 | $10,917+16.5% | $9,285+37.0% | $10,828+17.5% |