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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 | $125,459 | $75,962+65.2% | $154,108-18.6% | $64,173+95.5% |
| Participation rate | 93.9% | 70.4%+23.5pp | 83.0%+10.8pp | 69.6%+24.3pp |
| Annual return | -5.30% | 30.32%-35.6pp | 735.21%-740.5pp | 7.63%-12.9pp |
| Employer contribution / active EE | $7,022 | $3,350+109.6% | $5,298+32.6% | $2,381+194.9% |
| Participant deferral / active EE | $6,420 | $3,175+102.2% | $5,081+26.4% | $3,470+85.0% |
| Admin fee / account holder | $1,903 | $5,589-65.9% | $13,411-85.8% | $4,887-61.1% |