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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 | $72,715 | $106,008-31.4% | $92,240-21.2% | $147,586-50.7% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 15.58% | 50.05%-34.5pp | 176.29%-160.7pp | 578.59%-563.0pp |
| Employer contribution / active EE | $1,569 | $4,333-63.8% | $3,680-57.4% | $4,876-67.8% |
| Participant deferral / active EE | $2,075 | $4,478-53.7% | $3,897-46.8% | $5,439-61.8% |
| Admin fee / account holder | $25,285 | $6,333+299.3% | $5,194+386.8% | $10,886+132.3% |