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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 | $88,745 | $138,076-35.7% | $123,553-28.2% | $135,380-34.4% |
| Participation rate | 77.8% | 84.7%-7.0pp | 82.3%-4.5pp | 82.6%-4.9pp |
| Annual return | -5.62% | 153.70%-159.3pp | 119.21%-124.8pp | 519.81%-525.4pp |
| Employer contribution / active EE | $3,398 | $5,152-34.0% | $4,628-26.6% | $4,779-28.9% |
| Participant deferral / active EE | $8,022 | $6,800+18.0% | $6,426+24.8% | $5,609+43.0% |
| Admin fee / account holder | $12,390 | $10,917+13.5% | $9,284+33.4% | $10,828+14.4% |