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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 | $60,085 | $53,063+13.2% | $124,206-51.6% | $82,637-27.3% |
| Participation rate | 100.0% | 58.4%+41.6pp | 69.6%+30.4pp | 68.1%+31.9pp |
| Annual return | 18.53% | 68.87%-50.3pp | 515.27%-496.7pp | 53.51%-35.0pp |
| Employer contribution / active EE | $3,634 | $1,530+137.5% | $3,540+2.6% | $2,552+42.4% |
| Participant deferral / active EE | $4,053 | $2,644+53.3% | $3,968+2.2% | $4,126-1.8% |
| Admin fee / account holder | $585 | $4,281-86.3% | $5,929-90.1% | $7,339-92.0% |