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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 | $93,535 | $106,008-11.8% | $92,240+1.4% | $147,586-36.6% |
| Participation rate | 72.2% | 80.4%-8.2pp | 76.5%-4.3pp | 82.8%-10.6pp |
| Annual return | 17.48% | 50.05%-32.6pp | 176.29%-158.8pp | 578.59%-561.1pp |
| Employer contribution / active EE | $2,539 | $4,333-41.4% | $3,680-31.0% | $4,876-47.9% |
| Participant deferral / active EE | $5,195 | $4,478+16.0% | $3,897+33.3% | $5,439-4.5% |
| Admin fee / account holder | $648 | $6,333-89.8% | $5,194-87.5% | $10,886-94.1% |