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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 | $97,925 | $168,635-41.9% | $147,617-33.7% | $125,389-21.9% |
| Participation rate | 91.7% | 88.8%+2.9pp | 84.6%+7.0pp | 83.2%+8.5pp |
| Annual return | -2.54% | 77.65%-80.2pp | 61.98%-64.5pp | 282.24%-284.8pp |
| Employer contribution / active EE | $6,087 | $6,252-2.6% | $5,564+9.4% | $4,866+25.1% |
| Participant deferral / active EE | $2,670 | $5,507-51.5% | $4,895-45.5% | $5,352-50.1% |
| Admin fee / account holder | $425 | $13,580-96.9% | $11,612-96.3% | $9,541-95.5% |