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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 | $149,947 | $168,635-11.1% | $147,617+1.6% | $125,389+19.6% |
| Participation rate | 83.3% | 88.8%-5.4pp | 84.6%-1.3pp | 83.2%+0.1pp |
| Annual return | -1.75% | 77.65%-79.4pp | 61.98%-63.7pp | 282.24%-284.0pp |
| Employer contribution / active EE | $8,923 | $6,252+42.7% | $5,564+60.4% | $4,866+83.4% |
| Participant deferral / active EE | $8,050 | $5,507+46.2% | $4,895+64.4% | $5,352+50.4% |
| Admin fee / account holder | $13,707 | $13,580+0.9% | $11,612+18.0% | $9,541+43.7% |