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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 | $148,173 | $168,635-12.1% | $147,617+0.4% | $125,389+18.2% |
| Participation rate | 87.5% | 88.8%-1.3pp | 84.6%+2.9pp | 83.2%+4.3pp |
| Annual return | -0.82% | 77.65%-78.5pp | 61.98%-62.8pp | 282.24%-283.1pp |
| Employer contribution / active EE | $2,480 | $6,252-60.3% | $5,564-55.4% | $4,866-49.0% |
| Participant deferral / active EE | $4,657 | $5,507-15.4% | $4,895-4.9% | $5,352-13.0% |
| Admin fee / account holder | $521 | $13,580-96.2% | $11,612-95.5% | $9,541-94.5% |