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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 | $138,722 | $168,635-17.7% | $147,617-6.0% | $125,389+10.6% |
| Participation rate | 80.0% | 88.8%-8.8pp | 84.6%-4.6pp | 83.2%-3.2pp |
| Annual return | -0.84% | 77.65%-78.5pp | 61.98%-62.8pp | 282.24%-283.1pp |
| Employer contribution / active EE | $2,807 | $6,252-55.1% | $5,564-49.6% | $4,866-42.3% |
| Participant deferral / active EE | $6,093 | $5,507+10.6% | $4,895+24.5% | $5,352+13.9% |
| Admin fee / account holder | $428 | $13,580-96.9% | $11,612-96.3% | $9,541-95.5% |