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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 | $52,516 | $106,008-50.5% | $92,240-43.1% | $147,586-64.4% |
| Participation rate | 95.0% | 80.4%+14.6pp | 76.5%+18.5pp | 82.8%+12.2pp |
| Annual return | 15.85% | 50.05%-34.2pp | 176.29%-160.4pp | 578.59%-562.7pp |
| Employer contribution / active EE | $2,329 | $4,333-46.3% | $3,680-36.7% | $4,876-52.2% |
| Participant deferral / active EE | $5,275 | $4,478+17.8% | $3,897+35.4% | $5,439-3.0% |
| Admin fee / account holder | $889 | $6,333-86.0% | $5,194-82.9% | $10,886-91.8% |