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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 | $60,593 | $75,959-20.2% | $154,114-60.7% | $64,181-5.6% |
| Participation rate | 95.7% | 70.4%+25.2pp | 83.0%+12.6pp | 69.6%+26.1pp |
| Annual return | -4.72% | 30.32%-35.0pp | 735.16%-739.9pp | 7.63%-12.4pp |
| Employer contribution / active EE | $5,334 | $3,350+59.2% | $5,298+0.7% | $2,381+124.1% |
| Participant deferral / active EE | $6,101 | $3,175+92.2% | $5,081+20.1% | $3,470+75.8% |
| Admin fee / account holder | $4,786 | $5,589-14.4% | $13,411-64.3% | $4,887-2.1% |