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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 | $119,690 | $138,102-13.3% | $125,381-4.5% | $134,532-11.0% |
| Participation rate | 92.3% | 84.5%+7.8pp | 82.4%+9.9pp | 81.2%+11.1pp |
| Annual return | -14.80% | 750.73%-765.5pp | 572.31%-587.1pp | 418.27%-433.1pp |
| Employer contribution / active EE | $4,263 | $5,245-18.7% | $4,815-11.5% | $4,741-10.1% |
| Participant deferral / active EE | $9,463 | $7,801+21.3% | $7,448+27.1% | $6,401+47.8% |
| Admin fee / account holder | $9,626 | $11,568-16.8% | $10,007-3.8% | $11,429-15.8% |