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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 | $66,044 | $59,111+11.7% | $86,451-23.6% | $68,490-3.6% |
| Participation rate | 96.4% | 75.2%+21.2pp | 80.3%+16.1pp | 67.9%+28.5pp |
| Annual return | -10.88% | -0.22%-10.7pp | 4398.51%-4409.4pp | -7.85%-3.0pp |
| Employer contribution / active EE | $4,486 | $2,519+78.1% | $3,770+19.0% | $2,597+72.8% |
| Participant deferral / active EE | $12,453 | $5,900+111.1% | $6,953+79.1% | $4,028+209.2% |
| Admin fee / account holder | $6,677 | $5,640+18.4% | $6,734-0.8% | $5,403+23.6% |