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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 | $76,890 | $147,727-48.0% | $115,756-33.6% | $134,545-42.9% |
| Participation rate | 71.4% | 80.4%-9.0pp | 77.1%-5.7pp | 81.2%-9.8pp |
| Annual return | -19.33% | 73.96%-93.3pp | 143.14%-162.5pp | 418.37%-437.7pp |
| Employer contribution / active EE | $4,014 | $4,713-14.8% | $3,793+5.8% | $4,742-15.4% |
| Participant deferral / active EE | $13,833 | $7,563+82.9% | $6,254+121.2% | $6,401+116.1% |
| Admin fee / account holder | $8,710 | $14,571-40.2% | $8,124+7.2% | $11,431-23.8% |