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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 | $39,341 | $49,177-20.0% | $79,467-50.5% | $64,173-38.7% |
| Participation rate | 100.0% | 65.0%+35.0pp | 73.3%+26.7pp | 69.6%+30.4pp |
| Annual return | -5.40% | -1.16%-4.2pp | 718.30%-723.7pp | 7.63%-13.0pp |
| Employer contribution / active EE | $5,302 | $2,076+155.4% | $2,800+89.3% | $2,381+122.7% |
| Participant deferral / active EE | $2,585 | $2,821-8.4% | $3,704-30.2% | $3,470-25.5% |
| Admin fee / account holder | $1,696 | $3,839-55.8% | $5,104-66.8% | $4,887-65.3% |