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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 | $51,325 | $49,177+4.4% | $79,467-35.4% | $64,173-20.0% |
| Participation rate | 88.0% | 65.0%+23.0pp | 73.3%+14.7pp | 69.6%+18.4pp |
| Annual return | -6.23% | -1.16%-5.1pp | 718.30%-724.5pp | 7.63%-13.9pp |
| Employer contribution / active EE | $3,009 | $2,076+44.9% | $2,800+7.5% | $2,381+26.4% |
| Participant deferral / active EE | $6,337 | $2,821+124.6% | $3,704+71.1% | $3,470+82.6% |
| Admin fee / account holder | $1,545 | $3,839-59.8% | $5,104-69.7% | $4,887-68.4% |