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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 | $58,007 | $75,959-23.6% | $154,114-62.4% | $64,181-9.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.48% | 30.32%-36.8pp | 735.16%-741.6pp | 7.63%-14.1pp |
| Employer contribution / active EE | $5,456 | $3,350+62.9% | $5,298+3.0% | $2,381+129.2% |
| Participant deferral / active EE | $3,883 | $3,175+22.3% | $5,081-23.6% | $3,470+11.9% |
| Admin fee / account holder | $604 | $5,589-89.2% | $13,411-95.5% | $4,887-87.6% |