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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 | $39,171 | $63,346-38.2% | $92,240-57.5% | $70,126-44.1% |
| Participation rate | 94.0% | 68.7%+25.3pp | 76.5%+17.5pp | 69.5%+24.5pp |
| Annual return | 18.87% | 530.19%-511.3pp | 176.29%-157.4pp | 73.15%-54.3pp |
| Employer contribution / active EE | $12,373 | $2,471+400.7% | $3,680+236.2% | $2,343+428.2% |
| Participant deferral / active EE | $1,527 | $2,854-46.5% | $3,897-60.8% | $3,332-54.2% |
| Admin fee / account holder | $658 | $3,841-82.9% | $5,194-87.3% | $4,645-85.8% |