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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 | $50,063 | $49,177+1.8% | $79,467-37.0% | $64,173-22.0% |
| Participation rate | 98.4% | 65.0%+33.4pp | 73.3%+25.0pp | 69.6%+28.8pp |
| Annual return | -5.20% | -1.16%-4.0pp | 718.30%-723.5pp | 7.63%-12.8pp |
| Employer contribution / active EE | $2,088 | $2,076+0.6% | $2,800-25.4% | $2,381-12.3% |
| Participant deferral / active EE | $2,669 | $2,821-5.4% | $3,704-27.9% | $3,470-23.1% |
| Admin fee / account holder | $1,172 | $3,839-69.5% | $5,104-77.0% | $4,887-76.0% |