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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 | $47,845 | $80,812-40.8% | $160,784-70.2% | $82,448-42.0% |
| Participation rate | 88.9% | 66.2%+22.7pp | 77.0%+11.9pp | 68.1%+20.8pp |
| Annual return | 32.32% | 100.59%-68.3pp | 1803.92%-1771.6pp | 41.64%-9.3pp |
| Employer contribution / active EE | $4,800 | $2,174+120.8% | $3,733+28.6% | $2,551+88.2% |
| Participant deferral / active EE | $7,305 | $4,335+68.5% | $6,293+16.1% | $4,139+76.5% |
| Admin fee / account holder | $2,995 | $7,695-61.1% | $9,717-69.2% | $7,234-58.6% |