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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 | $69,712 | $57,352+21.6% | $83,831-16.8% | $64,173+8.6% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -4.66% | 11.38%-16.0pp | 850.99%-855.6pp | 7.63%-12.3pp |
| Employer contribution / active EE | $2,622 | $2,546+3.0% | $3,631-27.8% | $2,381+10.1% |
| Participant deferral / active EE | $4,554 | $2,993+52.2% | $4,082+11.6% | $3,470+31.3% |
| Admin fee / account holder | $400 | $4,046-90.1% | $5,479-92.7% | $4,887-91.8% |