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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 | $81,714 | $138,075-40.8% | $123,552-33.9% | $135,379-39.6% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -8.21% | 153.70%-161.9pp | 119.20%-127.4pp | 519.79%-528.0pp |
| Employer contribution / active EE | $4,458 | $5,152-13.5% | $4,628-3.7% | $4,779-6.7% |
| Participant deferral / active EE | $11,623 | $6,800+70.9% | $6,426+80.9% | $5,609+107.2% |
| Admin fee / account holder | $1,126 | $10,917-89.7% | $9,285-87.9% | $10,828-89.6% |