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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 | $47,483 | $135,645-65.0% | $110,243-56.9% | $135,380-64.9% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -5.54% | 513.24%-518.8pp | 314.76%-320.3pp | 519.81%-525.3pp |
| Employer contribution / active EE | $3,330 | $4,907-32.1% | $3,827-13.0% | $4,779-30.3% |
| Participant deferral / active EE | $3,381 | $5,507-38.6% | $4,672-27.6% | $5,609-39.7% |
| Admin fee / account holder | $341 | $11,458-97.0% | $8,548-96.0% | $10,828-96.8% |