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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 | $152,422 | $75,959+100.7% | $154,114-1.1% | $64,181+137.5% |
| Participation rate | 86.2% | 70.4%+15.8pp | 83.0%+3.2pp | 69.6%+16.6pp |
| Annual return | -4.27% | 30.32%-34.6pp | 735.16%-739.4pp | 7.63%-11.9pp |
| Employer contribution / active EE | $13,085 | $3,350+290.6% | $5,298+147.0% | $2,381+449.6% |
| Participant deferral / active EE | $6,738 | $3,175+112.3% | $5,081+32.6% | $3,470+94.2% |
| Admin fee / account holder | $1,389 | $5,589-75.1% | $13,411-89.6% | $4,887-71.6% |