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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 | $158,913 | $138,076+15.1% | $123,553+28.6% | $135,380+17.4% |
| Participation rate | 85.7% | 84.7%+1.0pp | 82.3%+3.4pp | 82.6%+3.1pp |
| Annual return | -0.78% | 153.70%-154.5pp | 119.21%-120.0pp | 519.81%-520.6pp |
| Employer contribution / active EE | $3,571 | $5,152-30.7% | $4,628-22.8% | $4,779-25.3% |
| Participant deferral / active EE | $5,128 | $6,800-24.6% | $6,426-20.2% | $5,609-8.6% |
| Admin fee / account holder | $464 | $10,917-95.8% | $9,284-95.0% | $10,828-95.7% |