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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 | $48,510 | $82,674-41.3% | $125,381-61.3% | $68,486-29.2% |
| Participation rate | 96.0% | 75.1%+20.9pp | 82.4%+13.6pp | 67.9%+28.1pp |
| Annual return | -3.89% | -5.97%+2.1pp | 572.31%-576.2pp | -7.85%+4.0pp |
| Employer contribution / active EE | $6,254 | $3,382+84.9% | $4,815+29.9% | $2,597+140.8% |
| Participant deferral / active EE | $14,505 | $6,111+137.4% | $7,448+94.8% | $4,028+260.1% |
| Admin fee / account holder | $1,053 | $6,277-83.2% | $10,007-89.5% | $5,404-80.5% |