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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 | $44,662 | $76,519-41.6% | $56,025-20.3% | $145,897-69.4% |
| Participation rate | 77.8% | 63.2%+14.5pp | 52.5%+25.3pp | 80.3%-2.5pp |
| Annual return | 12.31% | 3017.03%-3004.7pp | 1712.69%-1700.4pp | 552.29%-540.0pp |
| Employer contribution / active EE | $2,974 | $1,383+115.0% | $1,042+185.5% | $4,663-36.2% |
| Participant deferral / active EE | $11,796 | $2,624+349.5% | $1,955+503.5% | $6,689+76.3% |
| Admin fee / account holder | $1,301 | $3,331-60.9% | $2,828-54.0% | $13,390-90.3% |