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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 | $133,126 | $49,177+170.7% | $79,467+67.5% | $64,173+107.4% |
| Participation rate | 95.7% | 65.0%+30.6pp | 73.3%+22.3pp | 69.6%+26.1pp |
| Annual return | -5.99% | -1.16%-4.8pp | 718.30%-724.3pp | 7.63%-13.6pp |
| Employer contribution / active EE | $6,424 | $2,076+209.4% | $2,800+129.4% | $2,381+169.8% |
| Participant deferral / active EE | $4,554 | $2,821+61.4% | $3,704+22.9% | $3,470+31.2% |
| Admin fee / account holder | $4,530 | $3,839+18.0% | $5,104-11.3% | $4,887-7.3% |