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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 | $159,257 | $78,694+102.4% | $67,652+135.4% | $125,389+27.0% |
| Participation rate | 92.9% | 78.8%+14.1pp | 75.7%+17.2pp | 83.2%+9.7pp |
| Annual return | -1.79% | 9.46%-11.2pp | 6625.40%-6627.2pp | 282.24%-284.0pp |
| Employer contribution / active EE | $1,745 | $3,044-42.7% | $2,266-23.0% | $4,866-64.1% |
| Participant deferral / active EE | $4,439 | $4,292+3.4% | $3,560+24.7% | $5,352-17.0% |
| Admin fee / account holder | $5,595 | $7,403-24.4% | $4,821+16.1% | $9,541-41.4% |