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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 | $48,599 | $57,352-15.3% | $83,831-42.0% | $64,173-24.3% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -6.18% | 11.38%-17.6pp | 850.99%-857.2pp | 7.63%-13.8pp |
| Employer contribution / active EE | $15,592 | $2,546+512.5% | $3,631+329.4% | $2,381+554.9% |
| Participant deferral / active EE | $6,398 | $2,993+113.8% | $4,082+56.7% | $3,470+84.4% |
| Admin fee / account holder | $4,360 | $4,046+7.8% | $5,479-20.4% | $4,887-10.8% |