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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 | $91,793 | $45,566+101.5% | $64,105+43.2% | $59,633+53.9% |
| Participation rate | 76.9% | 60.2%+16.8pp | 68.2%+8.8pp | 68.7%+8.3pp |
| Annual return | -0.83% | 4.95%-5.8pp | 791.24%-792.1pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $2,564 | $934+174.5% | $1,820+40.9% | $2,203+16.4% |
| Participant deferral / active EE | $2,000 | $2,057-2.8% | $2,822-29.1% | $3,192-37.3% |
| Admin fee / account holder | $2,761 | $3,268-15.5% | $4,499-38.6% | $4,297-35.7% |