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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 | $191,040 | $75,962+151.5% | $154,108+24.0% | $64,173+197.7% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -5.23% | 30.32%-35.6pp | 735.21%-740.4pp | 7.63%-12.9pp |
| Employer contribution / active EE | $13,545 | $3,350+304.3% | $5,298+155.7% | $2,381+468.9% |
| Participant deferral / active EE | $1,615 | $3,175-49.1% | $5,081-68.2% | $3,470-53.4% |
| Admin fee / account holder | $2,472 | $5,589-55.8% | $13,411-81.6% | $4,887-49.4% |