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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 | $35,656 | $75,962-53.1% | $154,108-76.9% | $64,173-44.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.70% | 30.32%-37.0pp | 735.21%-741.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $4,185 | $3,350+24.9% | $5,298-21.0% | $2,381+75.8% |
| Participant deferral / active EE | $3,899 | $3,175+22.8% | $5,081-23.3% | $3,470+12.4% |
| Admin fee / account holder | $306 | $5,589-94.5% | $13,411-97.7% | $4,887-93.7% |