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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 | $40,946 | $106,005-61.4% | $92,239-55.6% | $147,585-72.3% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 21.94% | 50.05%-28.1pp | 176.29%-154.3pp | 578.58%-556.6pp |
| Employer contribution / active EE | $2,969 | $4,333-31.5% | $3,680-19.3% | $4,876-39.1% |
| Participant deferral / active EE | $5,139 | $4,478+14.8% | $3,897+31.9% | $5,439-5.5% |
| Admin fee / account holder | $2,931 | $6,333-53.7% | $5,194-43.6% | $10,886-73.1% |