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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 | $99,171 | $167,362-40.7% | $143,799-31.0% | $134,532-26.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -1.95% | 0.47%-2.4pp | -0.04%-1.9pp | 418.27%-420.2pp |
| Employer contribution / active EE | $6,811 | $5,620+21.2% | $4,952+37.5% | $4,741+43.7% |
| Participant deferral / active EE | $6,290 | $6,447-2.4% | $5,638+11.6% | $6,401-1.7% |
| Admin fee / account holder | $2,796 | $18,094-84.5% | $14,677-80.9% | $11,429-75.5% |