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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 | $90,670 | $75,962+19.4% | $154,108-41.2% | $64,173+41.3% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.15% | 30.32%-36.5pp | 735.21%-741.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $6,136 | $3,350+83.2% | $5,298+15.8% | $2,381+157.7% |
| Participant deferral / active EE | $2,714 | $3,175-14.5% | $5,081-46.6% | $3,470-21.8% |
| Admin fee / account holder | $1,943 | $5,589-65.2% | $13,411-85.5% | $4,887-60.2% |