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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 | $65,891 | $75,962-13.3% | $154,108-57.2% | $64,173+2.7% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.85% | 30.32%-37.2pp | 735.21%-742.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $5,169 | $3,350+54.3% | $5,298-2.4% | $2,381+117.1% |
| Participant deferral / active EE | $3,246 | $3,175+2.2% | $5,081-36.1% | $3,470-6.4% |
| Admin fee / account holder | $11,446 | $5,589+104.8% | $13,411-14.7% | $4,887+134.2% |