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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 | $135,094 | $75,962+77.8% | $154,108-12.3% | $64,173+110.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.98% | 30.32%-37.3pp | 735.21%-742.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $4,338 | $3,350+29.5% | $5,298-18.1% | $2,381+82.2% |
| Participant deferral / active EE | $6,689 | $3,175+110.7% | $5,081+31.7% | $3,470+92.8% |
| Admin fee / account holder | $2,185 | $5,589-60.9% | $13,411-83.7% | $4,887-55.3% |