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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 | $176,382 | $168,636+4.6% | $147,618+19.5% | $125,388+40.7% |
| Participation rate | 80.0% | 88.8%-8.8pp | 84.6%-4.6pp | 83.2%-3.2pp |
| Annual return | -0.60% | 77.65%-78.3pp | 61.98%-62.6pp | 282.24%-282.8pp |
| Employer contribution / active EE | $8,158 | $6,252+30.5% | $5,565+46.6% | $4,866+67.7% |
| Participant deferral / active EE | $5,606 | $5,507+1.8% | $4,895+14.5% | $5,352+4.8% |
| Admin fee / account holder | $1,808 | $13,580-86.7% | $11,612-84.4% | $9,541-81.0% |