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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 | $56,192 | $96,678-41.9% | $86,640-35.1% | $139,466-59.7% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 20.06% | 106.69%-86.6pp | 592.52%-572.5pp | 373.66%-353.6pp |
| Employer contribution / active EE | $1,664 | $3,265-49.0% | $3,024-45.0% | $4,754-65.0% |
| Participant deferral / active EE | $11,032 | $4,837+128.1% | $4,438+148.6% | $6,712+64.4% |
| Admin fee / account holder | $400 | $6,410-93.8% | $5,616-92.9% | $11,409-96.5% |