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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 | $116,891 | $180,459-35.2% | $154,108-24.1% | $135,380-13.7% |
| Participation rate | 95.2% | 87.4%+7.8pp | 83.0%+12.2pp | 82.6%+12.6pp |
| Annual return | -4.13% | 888.21%-892.3pp | 735.21%-739.3pp | 519.81%-523.9pp |
| Employer contribution / active EE | $6,364 | $6,035+5.4% | $5,298+20.1% | $4,779+33.2% |
| Participant deferral / active EE | $5,323 | $5,806-8.3% | $5,081+4.8% | $5,609-5.1% |
| Admin fee / account holder | $1,409 | $16,145-91.3% | $13,411-89.5% | $10,828-87.0% |