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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 | $46,938 | $57,330-18.1% | $86,656-45.8% | $75,177-37.6% |
| Participation rate | 89.5% | 63.2%+26.3pp | 71.7%+17.8pp | 67.2%+22.3pp |
| Annual return | 17.12% | 2675.40%-2658.3pp | 593.09%-576.0pp | 160.75%-143.6pp |
| Employer contribution / active EE | $485 | $2,316-79.1% | $3,025-84.0% | $2,671-81.9% |
| Participant deferral / active EE | $3,901 | $3,320+17.5% | $4,439-12.1% | $4,126-5.5% |
| Admin fee / account holder | $2,939 | $4,115-28.6% | $5,619-47.7% | $5,651-48.0% |