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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 | $52,987 | $75,962-30.2% | $154,108-65.6% | $64,173-17.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -6.58% | 30.32%-36.9pp | 735.21%-741.8pp | 7.63%-14.2pp |
| Employer contribution / active EE | $9,211 | $3,350+175.0% | $5,298+73.9% | $2,381+286.9% |
| Participant deferral / active EE | $4,817 | $3,175+51.7% | $5,081-5.2% | $3,470+38.8% |
| Admin fee / account holder | $6,366 | $5,589+13.9% | $13,411-52.5% | $4,887+30.3% |