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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 | $105,715 | $138,076-23.4% | $123,553-14.4% | $135,380-21.9% |
| Participation rate | 90.0% | 84.7%+5.3pp | 82.3%+7.7pp | 82.6%+7.4pp |
| Annual return | -4.49% | 153.70%-158.2pp | 119.21%-123.7pp | 519.81%-524.3pp |
| Employer contribution / active EE | $3,736 | $5,152-27.5% | $4,628-19.3% | $4,779-21.8% |
| Participant deferral / active EE | $8,067 | $6,800+18.6% | $6,426+25.5% | $5,609+43.8% |
| Admin fee / account holder | $5,472 | $10,917-49.9% | $9,284-41.1% | $10,828-49.5% |