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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 | $54,443 | $106,008-48.6% | $92,240-41.0% | $147,586-63.1% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 16.60% | 50.05%-33.5pp | 176.29%-159.7pp | 578.59%-562.0pp |
| Employer contribution / active EE | $2,593 | $4,333-40.2% | $3,680-29.5% | $4,876-46.8% |
| Participant deferral / active EE | $6,378 | $4,478+42.4% | $3,897+63.7% | $5,439+17.3% |
| Admin fee / account holder | $894 | $6,333-85.9% | $5,194-82.8% | $10,886-91.8% |