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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 | $96,934 | $138,075-29.8% | $123,552-21.5% | $135,379-28.4% |
| Participation rate | 89.5% | 84.7%+4.7pp | 82.3%+7.2pp | 82.6%+6.8pp |
| Annual return | -3.99% | 153.70%-157.7pp | 119.20%-123.2pp | 519.79%-523.8pp |
| Employer contribution / active EE | $1,604 | $5,152-68.9% | $4,628-65.3% | $4,779-66.4% |
| Participant deferral / active EE | $4,306 | $6,800-36.7% | $6,426-33.0% | $5,609-23.2% |
| Admin fee / account holder | $5,734 | $10,917-47.5% | $9,285-38.2% | $10,828-47.0% |