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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 | $49,049 | $56,197-12.7% | $67,652-27.5% | $59,633-17.7% |
| Participation rate | 96.7% | 71.5%+25.2pp | 75.7%+21.0pp | 68.7%+28.0pp |
| Annual return | -0.45% | 18508.10%-18508.6pp | 6625.40%-6625.8pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $2,370 | $1,615+46.8% | $2,266+4.6% | $2,203+7.6% |
| Participant deferral / active EE | $6,073 | $2,844+113.6% | $3,560+70.6% | $3,192+90.3% |
| Admin fee / account holder | $6,036 | $3,958+52.5% | $4,821+25.2% | $4,297+40.5% |