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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 | $98,212 | $138,102-28.9% | $125,381-21.7% | $134,532-27.0% |
| Participation rate | 87.5% | 84.5%+3.0pp | 82.4%+5.1pp | 81.2%+6.3pp |
| Annual return | -16.04% | 750.73%-766.8pp | 572.31%-588.3pp | 418.27%-434.3pp |
| Employer contribution / active EE | $3,750 | $5,245-28.5% | $4,815-22.1% | $4,741-20.9% |
| Participant deferral / active EE | $8,617 | $7,801+10.5% | $7,448+15.7% | $6,401+34.6% |
| Admin fee / account holder | $1,071 | $11,568-90.7% | $10,007-89.3% | $11,429-90.6% |