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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 | $156,786 | $75,832+106.8% | $147,617+6.2% | $59,633+162.9% |
| Participation rate | 97.3% | 71.6%+25.7pp | 84.6%+12.7pp | 68.7%+28.6pp |
| Annual return | -0.34% | 0.37%-0.7pp | 61.98%-62.3pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $963 | $3,485-72.4% | $5,564-82.7% | $2,203-56.3% |
| Participant deferral / active EE | $5,760 | $3,131+84.0% | $4,895+17.7% | $3,192+80.5% |
| Admin fee / account holder | $1,329 | $5,986-77.8% | $11,612-88.6% | $4,297-69.1% |