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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 | $121,080 | $138,076-12.3% | $123,553-2.0% | $135,380-10.6% |
| Participation rate | 95.2% | 84.7%+10.5pp | 82.3%+12.9pp | 82.6%+12.6pp |
| Annual return | -5.36% | 153.70%-159.1pp | 119.21%-124.6pp | 519.81%-525.2pp |
| Employer contribution / active EE | $3,977 | $5,152-22.8% | $4,628-14.1% | $4,779-16.8% |
| Participant deferral / active EE | $7,954 | $6,800+17.0% | $6,426+23.8% | $5,609+41.8% |
| Admin fee / account holder | $2,266 | $10,917-79.2% | $9,284-75.6% | $10,828-79.1% |