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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 | $106,479 | $75,962+40.2% | $154,108-30.9% | $64,173+65.9% |
| Participation rate | 96.2% | 70.4%+25.7pp | 83.0%+13.1pp | 69.6%+26.6pp |
| Annual return | -6.11% | 30.32%-36.4pp | 735.21%-741.3pp | 7.63%-13.7pp |
| Employer contribution / active EE | $6,281 | $3,350+87.5% | $5,298+18.6% | $2,381+163.8% |
| Participant deferral / active EE | $2,590 | $3,175-18.4% | $5,081-49.0% | $3,470-25.4% |
| Admin fee / account holder | $8,683 | $5,589+55.4% | $13,411-35.3% | $4,887+77.7% |