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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 | $84,288 | $75,962+11.0% | $154,108-45.3% | $64,173+31.3% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -7.36% | 30.32%-37.7pp | 735.21%-742.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $6,492 | $3,350+93.8% | $5,298+22.5% | $2,381+172.7% |
| Participant deferral / active EE | $2,791 | $3,175-12.1% | $5,081-45.1% | $3,470-19.6% |
| Admin fee / account holder | $719 | $5,589-87.1% | $13,411-94.6% | $4,887-85.3% |