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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 | $208,748 | $75,959+174.8% | $154,114+35.5% | $64,181+225.2% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.36% | 30.32%-36.7pp | 735.16%-741.5pp | 7.63%-14.0pp |
| Employer contribution / active EE | $8,822 | $3,350+163.4% | $5,298+66.5% | $2,381+270.5% |
| Participant deferral / active EE | $7,964 | $3,175+150.8% | $5,081+56.7% | $3,470+129.5% |
| Admin fee / account holder | $471 | $5,589-91.6% | $13,411-96.5% | $4,887-90.4% |