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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 | $104,112 | $75,962+37.1% | $154,108-32.4% | $64,173+62.2% |
| Participation rate | 86.2% | 70.4%+15.8pp | 83.0%+3.2pp | 69.6%+16.6pp |
| Annual return | -0.13% | 30.32%-30.5pp | 735.21%-735.3pp | 7.63%-7.8pp |
| Employer contribution / active EE | $5,147 | $3,350+53.6% | $5,298-2.8% | $2,381+116.2% |
| Participant deferral / active EE | $5,221 | $3,175+64.4% | $5,081+2.8% | $3,470+50.5% |
| Admin fee / account holder | $859 | $5,589-84.6% | $13,411-93.6% | $4,887-82.4% |