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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 | $82,674 | $75,962+8.8% | $154,108-46.4% | $64,173+28.8% |
| Participation rate | 77.3% | 70.4%+6.9pp | 83.0%-5.8pp | 69.6%+7.7pp |
| Annual return | -6.68% | 30.32%-37.0pp | 735.21%-741.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $6,596 | $3,350+96.9% | $5,298+24.5% | $2,381+177.0% |
| Participant deferral / active EE | $4,518 | $3,175+42.3% | $5,081-11.1% | $3,470+30.2% |
| Admin fee / account holder | $2,400 | $5,589-57.0% | $13,411-82.1% | $4,887-50.9% |