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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 | $81,623 | $138,076-40.9% | $123,553-33.9% | $135,380-39.7% |
| Participation rate | 81.0% | 84.7%-3.8pp | 82.3%-1.3pp | 82.6%-1.7pp |
| Annual return | -7.34% | 153.70%-161.0pp | 119.21%-126.5pp | 519.81%-527.1pp |
| Employer contribution / active EE | $3,009 | $5,152-41.6% | $4,628-35.0% | $4,779-37.0% |
| Participant deferral / active EE | $7,795 | $6,800+14.6% | $6,426+21.3% | $5,609+39.0% |
| Admin fee / account holder | $5,785 | $10,917-47.0% | $9,284-37.7% | $10,828-46.6% |