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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 | $36,446 | $115,814-68.5% | $101,275-64.0% | $158,982-77.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 20.62% | 56.16%-35.5pp | 46.48%-25.9pp | 302.99%-282.4pp |
| Employer contribution / active EE | $6,036 | $4,176+44.6% | $3,660+64.9% | $4,763+26.7% |
| Participant deferral / active EE | $3,333 | $4,958-32.8% | $4,371-23.8% | $5,983-44.3% |
| Admin fee / account holder | $5,137 | $7,249-29.1% | $5,948-13.6% | $11,252-54.3% |