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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 | $149,633 | $75,962+97.0% | $154,111-2.9% | $64,173+133.2% |
| Participation rate | 97.7% | 70.4%+27.3pp | 83.0%+14.6pp | 69.6%+28.1pp |
| Annual return | -7.41% | 30.32%-37.7pp | 735.18%-742.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $11,657 | $3,350+248.0% | $5,298+120.0% | $2,381+389.6% |
| Participant deferral / active EE | $1,628 | $3,175-48.7% | $5,081-68.0% | $3,470-53.1% |
| Admin fee / account holder | $4,236 | $5,589-24.2% | $13,411-68.4% | $4,887-13.3% |