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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 | $113,097 | $75,962+48.9% | $154,108-26.6% | $64,173+76.2% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -5.36% | 30.32%-35.7pp | 735.21%-740.6pp | 7.63%-13.0pp |
| Employer contribution / active EE | $5,511 | $3,350+64.5% | $5,298+4.0% | $2,381+131.5% |
| Participant deferral / active EE | $4,956 | $3,175+56.1% | $5,081-2.5% | $3,470+42.8% |
| Admin fee / account holder | $985 | $5,589-82.4% | $13,411-92.7% | $4,887-79.8% |