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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 | $39,890 | $138,078-71.1% | $125,363-68.2% | $134,509-70.3% |
| Participation rate | 92.3% | 84.5%+7.8pp | 82.4%+9.9pp | 81.2%+11.1pp |
| Annual return | -8.08% | 750.49%-758.6pp | 572.15%-580.2pp | 418.13%-426.2pp |
| Employer contribution / active EE | $2,693 | $5,245-48.6% | $4,815-44.1% | $4,741-43.2% |
| Participant deferral / active EE | $6,011 | $7,800-22.9% | $7,447-19.3% | $6,400-6.1% |
| Admin fee / account holder | $3,956 | $11,566-65.8% | $10,005-60.5% | $11,427-65.4% |