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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 | $131,600 | $138,076-4.7% | $123,553+6.5% | $135,380-2.8% |
| Participation rate | 91.7% | 84.7%+6.9pp | 82.3%+9.4pp | 82.6%+9.0pp |
| Annual return | -6.12% | 153.70%-159.8pp | 119.21%-125.3pp | 519.81%-525.9pp |
| Employer contribution / active EE | $2,232 | $5,152-56.7% | $4,628-51.8% | $4,779-53.3% |
| Participant deferral / active EE | $3,711 | $6,800-45.4% | $6,426-42.2% | $5,609-33.8% |
| Admin fee / account holder | $2,086 | $10,917-80.9% | $9,284-77.5% | $10,828-80.7% |