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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 | $103,750 | $138,076-24.9% | $123,553-16.0% | $135,380-23.4% |
| Participation rate | 94.1% | 84.7%+9.4pp | 82.3%+11.8pp | 82.6%+11.5pp |
| Annual return | -5.53% | 153.70%-159.2pp | 119.21%-124.7pp | 519.81%-525.3pp |
| Employer contribution / active EE | $2,576 | $5,152-50.0% | $4,628-44.3% | $4,779-46.1% |
| Participant deferral / active EE | $6,744 | $6,800-0.8% | $6,426+5.0% | $5,609+20.2% |
| Admin fee / account holder | $566 | $10,917-94.8% | $9,284-93.9% | $10,828-94.8% |