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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 | $127,908 | $168,636-24.2% | $147,618-13.4% | $125,388+2.0% |
| Participation rate | 70.0% | 88.8%-18.8pp | 84.6%-14.6pp | 83.2%-13.2pp |
| Annual return | -1.69% | 77.65%-79.3pp | 61.98%-63.7pp | 282.24%-283.9pp |
| Employer contribution / active EE | $2,409 | $6,252-61.5% | $5,565-56.7% | $4,866-50.5% |
| Participant deferral / active EE | $6,805 | $5,507+23.6% | $4,895+39.0% | $5,352+27.2% |
| Admin fee / account holder | $2,292 | $13,580-83.1% | $11,612-80.3% | $9,541-76.0% |