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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 | $61,253 | $97,729-37.3% | $83,830-26.9% | $135,379-54.8% |
| Participation rate | 92.9% | 80.0%+12.9pp | 76.1%+16.7pp | 82.6%+10.2pp |
| Annual return | -5.79% | 1287.52%-1293.3pp | 850.97%-856.8pp | 519.79%-525.6pp |
| Employer contribution / active EE | $2,406 | $4,222-43.0% | $3,631-33.7% | $4,779-49.6% |
| Participant deferral / active EE | $5,425 | $4,683+15.9% | $4,082+32.9% | $5,609-3.3% |
| Admin fee / account holder | $1,046 | $6,674-84.3% | $5,479-80.9% | $10,828-90.3% |