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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 | $86,081 | $75,962+13.3% | $154,111-44.1% | $64,173+34.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -4.22% | 30.32%-34.5pp | 735.18%-739.4pp | 7.63%-11.8pp |
| Employer contribution / active EE | $7,463 | $3,350+122.8% | $5,298+40.9% | $2,381+213.5% |
| Participant deferral / active EE | $3,183 | $3,175+0.2% | $5,081-37.4% | $3,470-8.3% |
| Admin fee / account holder | $3,982 | $5,589-28.8% | $13,411-70.3% | $4,887-18.5% |