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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 | $55,824 | $45,566+22.5% | $64,105-12.9% | $59,633-6.4% |
| Participation rate | 100.0% | 60.2%+39.8pp | 68.2%+31.8pp | 68.7%+31.3pp |
| Annual return | -1.21% | 4.95%-6.2pp | 791.24%-792.4pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $1,783 | $934+90.9% | $1,820-2.0% | $2,203-19.0% |
| Participant deferral / active EE | $3,335 | $2,057+62.1% | $2,822+18.2% | $3,192+4.5% |
| Admin fee / account holder | $514 | $3,268-84.3% | $4,499-88.6% | $4,297-88.0% |