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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 | $148,579 | $138,076+7.6% | $123,553+20.3% | $135,380+9.7% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -8.83% | 153.70%-162.5pp | 119.21%-128.0pp | 519.81%-528.6pp |
| Employer contribution / active EE | $2,949 | $5,152-42.8% | $4,628-36.3% | $4,779-38.3% |
| Participant deferral / active EE | $12,168 | $6,800+79.0% | $6,426+89.4% | $5,609+116.9% |
| Admin fee / account holder | $637 | $10,917-94.2% | $9,284-93.1% | $10,828-94.1% |