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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 | $75,324 | $106,008-28.9% | $92,240-18.3% | $147,586-49.0% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 19.21% | 50.05%-30.8pp | 176.29%-157.1pp | 578.59%-559.4pp |
| Employer contribution / active EE | $3,045 | $4,333-29.7% | $3,680-17.2% | $4,876-37.6% |
| Participant deferral / active EE | $5,363 | $4,478+19.8% | $3,897+37.6% | $5,439-1.4% |
| Admin fee / account holder | $1,422 | $6,333-77.6% | $5,194-72.6% | $10,886-86.9% |