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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 | $99,476 | $49,177+102.3% | $79,467+25.2% | $64,173+55.0% |
| Participation rate | 82.9% | 65.0%+17.8pp | 73.3%+9.5pp | 69.6%+13.3pp |
| Annual return | -2.20% | -1.16%-1.0pp | 718.30%-720.5pp | 7.63%-9.8pp |
| Employer contribution / active EE | $4,994 | $2,076+140.5% | $2,800+78.3% | $2,381+109.8% |
| Participant deferral / active EE | $5,479 | $2,821+94.2% | $3,704+47.9% | $3,470+57.9% |
| Admin fee / account holder | $10,621 | $3,839+176.7% | $5,104+108.1% | $4,887+117.3% |