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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 | $99,061 | $75,962+30.4% | $154,108-35.7% | $64,173+54.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.66% | 30.32%-37.0pp | 735.21%-741.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $4,222 | $3,350+26.0% | $5,298-20.3% | $2,381+77.3% |
| Participant deferral / active EE | $4,542 | $3,175+43.1% | $5,081-10.6% | $3,470+30.9% |
| Admin fee / account holder | $882 | $5,589-84.2% | $13,411-93.4% | $4,887-82.0% |