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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 | $69,871 | $78,694-11.2% | $67,652+3.3% | $125,389-44.3% |
| Participation rate | 94.1% | 78.8%+15.3pp | 75.7%+18.5pp | 83.2%+10.9pp |
| Annual return | -0.06% | 9.46%-9.5pp | 6625.40%-6625.5pp | 282.24%-282.3pp |
| Employer contribution / active EE | $10,552 | $3,044+246.7% | $2,266+365.7% | $4,866+116.8% |
| Participant deferral / active EE | $3,517 | $4,292-18.1% | $3,560-1.2% | $5,352-34.3% |
| Admin fee / account holder | $4,633 | $7,403-37.4% | $4,821-3.9% | $9,541-51.4% |