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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 | $49,360 | $166,268-70.3% | $165,100-70.1% | $145,897-66.2% |
| Participation rate | 71.4% | 82.0%-10.6pp | 78.6%-7.2pp | 80.3%-8.9pp |
| Annual return | 10.08% | 100.52%-90.4pp | 70.21%-60.1pp | 552.29%-542.2pp |
| Employer contribution / active EE | $8,521 | $5,284+61.3% | $4,348+96.0% | $4,663+82.7% |
| Participant deferral / active EE | $19,325 | $6,964+177.5% | $6,035+220.2% | $6,689+188.9% |
| Admin fee / account holder | $2,962 | $16,659-82.2% | $12,696-76.7% | $13,390-77.9% |