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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 | $144,870 | $75,832+91.0% | $147,617-1.9% | $59,633+142.9% |
| Participation rate | 87.1% | 71.6%+15.5pp | 84.6%+2.5pp | 68.7%+18.4pp |
| Annual return | -0.74% | 0.37%-1.1pp | 61.98%-62.7pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $2,910 | $3,485-16.5% | $5,564-47.7% | $2,203+32.1% |
| Participant deferral / active EE | $8,193 | $3,131+161.7% | $4,895+67.4% | $3,192+156.7% |
| Admin fee / account holder | $4,394 | $5,986-26.6% | $11,612-62.2% | $4,297+2.3% |