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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 | $101,983 | $76,000+34.2% | $154,111-33.8% | $64,186+58.9% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -5.85% | 30.32%-36.2pp | 735.15%-741.0pp | 7.63%-13.5pp |
| Employer contribution / active EE | $5,169 | $3,351+54.3% | $5,298-2.4% | $2,381+117.1% |
| Participant deferral / active EE | $3,703 | $3,175+16.6% | $5,081-27.1% | $3,470+6.7% |
| Admin fee / account holder | $3,751 | $5,596-33.0% | $13,411-72.0% | $4,888-23.3% |