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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 | $73,858 | $75,962-2.8% | $154,108-52.1% | $64,173+15.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -5.58% | 30.32%-35.9pp | 735.21%-740.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $5,933 | $3,350+77.1% | $5,298+12.0% | $2,381+149.2% |
| Participant deferral / active EE | $10,090 | $3,175+217.8% | $5,081+98.6% | $3,470+190.8% |
| Admin fee / account holder | $2,271 | $5,589-59.4% | $13,411-83.1% | $4,887-53.5% |