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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 | $66,149 | $75,962-12.9% | $154,111-57.1% | $64,173+3.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -4.13% | 30.32%-34.5pp | 735.18%-739.3pp | 7.63%-11.8pp |
| Employer contribution / active EE | $5,744 | $3,350+71.5% | $5,298+8.4% | $2,381+141.3% |
| Participant deferral / active EE | $4,415 | $3,175+39.1% | $5,081-13.1% | $3,470+27.2% |
| Admin fee / account holder | $6,844 | $5,589+22.5% | $13,411-49.0% | $4,887+40.0% |