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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 | $42,660 | $57,352-25.6% | $83,831-49.1% | $64,173-33.5% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -5.32% | 11.38%-16.7pp | 850.99%-856.3pp | 7.63%-13.0pp |
| Employer contribution / active EE | $4,015 | $2,546+57.7% | $3,631+10.6% | $2,381+68.7% |
| Participant deferral / active EE | $2,456 | $2,993-17.9% | $4,082-39.8% | $3,470-29.2% |
| Admin fee / account holder | $4,424 | $4,046+9.3% | $5,479-19.3% | $4,887-9.5% |