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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 | $63,141 | $106,008-40.4% | $92,240-31.5% | $147,586-57.2% |
| Participation rate | 95.0% | 80.4%+14.6pp | 76.5%+18.5pp | 82.8%+12.2pp |
| Annual return | 19.44% | 50.05%-30.6pp | 176.29%-156.9pp | 578.59%-559.2pp |
| Employer contribution / active EE | $2,550 | $4,333-41.2% | $3,680-30.7% | $4,876-47.7% |
| Participant deferral / active EE | $4,483 | $4,478+0.1% | $3,897+15.0% | $5,439-17.6% |
| Admin fee / account holder | $3,030 | $6,333-52.2% | $5,194-41.7% | $10,886-72.2% |