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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 | $75,009 | $138,076-45.7% | $123,553-39.3% | $135,380-44.6% |
| Participation rate | 92.9% | 84.7%+8.1pp | 82.3%+10.6pp | 82.6%+10.2pp |
| Annual return | -7.87% | 153.70%-161.6pp | 119.21%-127.1pp | 519.81%-527.7pp |
| Employer contribution / active EE | $4,765 | $5,152-7.5% | $4,628+3.0% | $4,779-0.3% |
| Participant deferral / active EE | $8,288 | $6,800+21.9% | $6,426+29.0% | $5,609+47.8% |
| Admin fee / account holder | $525 | $10,917-95.2% | $9,284-94.3% | $10,828-95.1% |