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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 | $132,528 | $168,635-21.4% | $147,617-10.2% | $125,389+5.7% |
| Participation rate | 75.0% | 88.8%-13.8pp | 84.6%-9.6pp | 83.2%-8.2pp |
| Annual return | -1.26% | 77.65%-78.9pp | 61.98%-63.2pp | 282.24%-283.5pp |
| Employer contribution / active EE | $6,637 | $6,252+6.2% | $5,564+19.3% | $4,866+36.4% |
| Participant deferral / active EE | $2,223 | $5,507-59.6% | $4,895-54.6% | $5,352-58.5% |
| Admin fee / account holder | $808 | $13,580-94.0% | $11,612-93.0% | $9,541-91.5% |