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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 | $96,270 | $69,012+39.5% | $160,009-39.8% | $68,486+40.6% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 67.9%+32.1pp |
| Annual return | -10.43% | -9.65%-0.8pp | 408.85%-419.3pp | -7.85%-2.6pp |
| Employer contribution / active EE | $6,753 | $2,212+205.2% | $4,225+59.8% | $2,597+160.1% |
| Participant deferral / active EE | $5,233 | $4,212+24.3% | $6,183-15.4% | $4,028+29.9% |
| Admin fee / account holder | $4,173 | $4,798-13.0% | $8,715-52.1% | $5,404-22.8% |