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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 | $117,022 | $75,962+54.1% | $154,111-24.1% | $64,173+82.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.64% | 30.32%-37.0pp | 735.18%-741.8pp | 7.63%-14.3pp |
| Employer contribution / active EE | $5,954 | $3,350+77.7% | $5,298+12.4% | $2,381+150.1% |
| Participant deferral / active EE | $5,753 | $3,175+81.2% | $5,081+13.2% | $3,470+65.8% |
| Admin fee / account holder | $817 | $5,589-85.4% | $13,411-93.9% | $4,887-83.3% |