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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 | $54,525 | $49,177+10.9% | $79,476-31.4% | $64,181-15.0% |
| Participation rate | 82.9% | 65.0%+17.8pp | 73.3%+9.5pp | 69.6%+13.3pp |
| Annual return | -7.13% | -1.16%-6.0pp | 718.21%-725.3pp | 7.63%-14.8pp |
| Employer contribution / active EE | $4,183 | $2,076+101.5% | $2,800+49.4% | $2,381+75.7% |
| Participant deferral / active EE | $3,938 | $2,821+39.6% | $3,704+6.3% | $3,470+13.5% |
| Admin fee / account holder | $3,414 | $3,839-11.1% | $5,113-33.2% | $4,887-30.1% |