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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 | $45,062 | $99,079-54.5% | $78,002-42.2% | $273,972-83.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.5%+24.5pp | 83.0%+17.0pp |
| Annual return | 8.87% | 217.93%-209.1pp | 425.99%-417.1pp | 41.46%-32.6pp |
| Employer contribution / active EE | $4,594 | $3,308+38.9% | $2,470+86.0% | $4,869-5.6% |
| Participant deferral / active EE | $15,938 | $4,306+270.1% | $3,497+355.8% | $5,287+201.4% |
| Admin fee / account holder | $896 | $8,954-90.0% | $5,481-83.7% | $10,133-91.2% |