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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 | $78,705 | $106,008-25.8% | $92,240-14.7% | $147,586-46.7% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 19.37% | 50.05%-30.7pp | 176.29%-156.9pp | 578.59%-559.2pp |
| Employer contribution / active EE | $1,975 | $4,333-54.4% | $3,680-46.3% | $4,876-59.5% |
| Participant deferral / active EE | $6,469 | $4,478+44.5% | $3,897+66.0% | $5,439+18.9% |
| Admin fee / account holder | $2,053 | $6,333-67.6% | $5,194-60.5% | $10,886-81.1% |