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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 | $92,592 | $138,075-32.9% | $123,552-25.1% | $135,379-31.6% |
| Participation rate | 85.7% | 84.7%+1.0pp | 82.3%+3.4pp | 82.6%+3.1pp |
| Annual return | -8.99% | 153.70%-162.7pp | 119.20%-128.2pp | 519.79%-528.8pp |
| Employer contribution / active EE | $3,161 | $5,152-38.6% | $4,628-31.7% | $4,779-33.9% |
| Participant deferral / active EE | $11,631 | $6,800+71.1% | $6,426+81.0% | $5,609+107.4% |
| Admin fee / account holder | $647 | $10,917-94.1% | $9,285-93.0% | $10,828-94.0% |