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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 | $123,816 | $75,962+63.0% | $154,108-19.7% | $64,173+92.9% |
| Participation rate | 73.1% | 70.4%+2.7pp | 83.0%-10.0pp | 69.6%+3.5pp |
| Annual return | -3.17% | 30.32%-33.5pp | 735.21%-738.4pp | 7.63%-10.8pp |
| Employer contribution / active EE | $6,269 | $3,350+87.1% | $5,298+18.3% | $2,381+163.3% |
| Participant deferral / active EE | $5,715 | $3,175+80.0% | $5,081+12.5% | $3,470+64.7% |
| Admin fee / account holder | $64,607 | $5,589+1056.0% | $13,411+381.7% | $4,887+1221.9% |