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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 | $80,522 | $96,678-16.7% | $86,640-7.1% | $139,466-42.3% |
| Participation rate | 84.6% | 74.4%+10.2pp | 71.7%+12.9pp | 80.3%+4.3pp |
| Annual return | 12.21% | 106.69%-94.5pp | 592.52%-580.3pp | 373.66%-361.5pp |
| Employer contribution / active EE | $1,451 | $3,265-55.6% | $3,024-52.0% | $4,754-69.5% |
| Participant deferral / active EE | $3,987 | $4,837-17.6% | $4,438-10.2% | $6,712-40.6% |
| Admin fee / account holder | $52,728 | $6,410+722.6% | $5,616+838.9% | $11,409+362.2% |