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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 | $138,143 | $78,694+75.5% | $67,652+104.2% | $125,389+10.2% |
| Participation rate | 91.7% | 78.8%+12.9pp | 75.7%+16.0pp | 83.2%+8.5pp |
| Annual return | -2.94% | 9.46%-12.4pp | 6625.40%-6628.3pp | 282.24%-285.2pp |
| Employer contribution / active EE | $8,074 | $3,044+165.3% | $2,266+256.4% | $4,866+65.9% |
| Participant deferral / active EE | $4,232 | $4,292-1.4% | $3,560+18.9% | $5,352-20.9% |
| Admin fee / account holder | $504 | $7,403-93.2% | $4,821-89.5% | $9,541-94.7% |