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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 | $33,217 | $75,962-56.3% | $154,111-78.4% | $64,173-48.2% |
| Participation rate | 90.0% | 70.4%+19.6pp | 83.0%+7.0pp | 69.6%+20.4pp |
| Annual return | -7.89% | 30.32%-38.2pp | 735.18%-743.1pp | 7.63%-15.5pp |
| Employer contribution / active EE | $5,849 | $3,350+74.6% | $5,298+10.4% | $2,381+145.7% |
| Participant deferral / active EE | $3,069 | $3,175-3.3% | $5,081-39.6% | $3,470-11.5% |
| Admin fee / account holder | $438 | $5,589-92.2% | $13,411-96.7% | $4,887-91.0% |