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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 | $88,445 | $106,557-17.0% | $91,227-3.0% | $134,545-34.3% |
| Participation rate | 71.4% | 76.8%-5.4pp | 73.2%-1.8pp | 81.2%-9.8pp |
| Annual return | -19.61% | 160.81%-180.4pp | 114.14%-133.7pp | 418.37%-438.0pp |
| Employer contribution / active EE | $2,659 | $3,332-20.2% | $2,851-6.8% | $4,742-43.9% |
| Participant deferral / active EE | $7,454 | $4,719+58.0% | $4,234+76.1% | $6,401+16.4% |
| Admin fee / account holder | $4,637 | $6,235-25.6% | $5,423-14.5% | $11,431-59.4% |