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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 | $126,214 | $190,879-33.9% | $160,009-21.1% | $134,532-6.2% |
| Participation rate | 85.7% | 82.0%+3.8pp | 78.0%+7.7pp | 81.2%+4.5pp |
| Annual return | -3.70% | 552.63%-556.3pp | 408.85%-412.5pp | 418.27%-422.0pp |
| Employer contribution / active EE | $2,742 | $4,995-45.1% | $4,225-35.1% | $4,741-42.2% |
| Participant deferral / active EE | $6,742 | $6,924-2.6% | $6,183+9.0% | $6,401+5.3% |
| Admin fee / account holder | $4,828 | $10,495-54.0% | $8,715-44.6% | $11,429-57.8% |