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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 | $43,082 | $57,305-24.8% | $86,640-50.3% | $75,173-42.7% |
| Participation rate | 100.0% | 63.2%+36.8pp | 71.7%+28.3pp | 67.2%+32.8pp |
| Annual return | 20.27% | 2674.24%-2654.0pp | 592.52%-572.3pp | 160.72%-140.5pp |
| Employer contribution / active EE | $3,564 | $2,316+53.9% | $3,024+17.8% | $2,671+33.4% |
| Participant deferral / active EE | $5,644 | $3,320+70.0% | $4,438+27.2% | $4,126+36.8% |
| Admin fee / account holder | $2,347 | $4,116-43.0% | $5,616-58.2% | $5,651-58.5% |