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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 | $229,470 | $78,694+191.6% | $67,652+239.2% | $125,389+83.0% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -1.93% | 9.46%-11.4pp | 6625.40%-6627.3pp | 282.24%-284.2pp |
| Employer contribution / active EE | $7,525 | $3,044+147.2% | $2,266+232.2% | $4,866+54.6% |
| Participant deferral / active EE | $2,715 | $4,292-36.7% | $3,560-23.7% | $5,352-49.3% |
| Admin fee / account holder | $6,730 | $7,403-9.1% | $4,821+39.6% | $9,541-29.5% |