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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 | $76,326 | $138,102-44.7% | $125,381-39.1% | $134,532-43.3% |
| Participation rate | 87.5% | 84.5%+3.0pp | 82.4%+5.1pp | 81.2%+6.3pp |
| Annual return | -16.41% | 750.73%-767.1pp | 572.31%-588.7pp | 418.27%-434.7pp |
| Employer contribution / active EE | $3,809 | $5,245-27.4% | $4,815-20.9% | $4,741-19.7% |
| Participant deferral / active EE | $17,853 | $7,801+128.9% | $7,448+139.7% | $6,401+178.9% |
| Admin fee / account holder | $21,980 | $11,568+90.0% | $10,007+119.6% | $11,429+92.3% |