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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 | $81,922 | $97,729-16.2% | $83,830-2.3% | $135,379-39.5% |
| Participation rate | 91.3% | 80.0%+11.4pp | 76.1%+15.2pp | 82.6%+8.7pp |
| Annual return | -4.60% | 1287.52%-1292.1pp | 850.97%-855.6pp | 519.79%-524.4pp |
| Employer contribution / active EE | $2,693 | $4,222-36.2% | $3,631-25.8% | $4,779-43.7% |
| Participant deferral / active EE | $2,497 | $4,683-46.7% | $4,082-38.8% | $5,609-55.5% |
| Admin fee / account holder | $9,359 | $6,674+40.2% | $5,479+70.8% | $10,828-13.6% |