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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 | $38,108 | $57,330-33.5% | $86,656-56.0% | $75,177-49.3% |
| Participation rate | 82.7% | 63.2%+19.5pp | 71.7%+11.0pp | 67.2%+15.5pp |
| Annual return | 20.25% | 2675.40%-2655.1pp | 593.09%-572.8pp | 160.75%-140.5pp |
| Employer contribution / active EE | $1,959 | $2,316-15.4% | $3,025-35.2% | $2,671-26.7% |
| Participant deferral / active EE | $4,521 | $3,320+36.2% | $4,439+1.8% | $4,126+9.6% |
| Admin fee / account holder | $5,049 | $4,115+22.7% | $5,619-10.1% | $5,651-10.7% |