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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 | $121,621 | $75,962+60.1% | $154,111-21.1% | $64,173+89.5% |
| Participation rate | 84.0% | 70.4%+13.6pp | 83.0%+1.0pp | 69.6%+14.4pp |
| Annual return | -4.80% | 30.32%-35.1pp | 735.18%-740.0pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,115 | $3,350-66.7% | $5,298-78.9% | $2,381-53.2% |
| Participant deferral / active EE | $3,169 | $3,175-0.2% | $5,081-37.6% | $3,470-8.7% |
| Admin fee / account holder | $537 | $5,589-90.4% | $13,411-96.0% | $4,887-89.0% |