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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 | $115,211 | $160,059-28.0% | $140,019-17.7% | $135,380-14.9% |
| Participation rate | 90.0% | 88.5%+1.5pp | 87.5%+2.5pp | 82.6%+7.4pp |
| Annual return | -7.53% | 911.48%-919.0pp | 651.17%-658.7pp | 519.81%-527.3pp |
| Employer contribution / active EE | $3,445 | $6,420-46.3% | $5,605-38.5% | $4,779-27.9% |
| Participant deferral / active EE | $4,414 | $7,641-42.2% | $6,927-36.3% | $5,609-21.3% |
| Admin fee / account holder | $698 | $13,328-94.8% | $10,705-93.5% | $10,828-93.6% |