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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 | $40,506 | $57,330-29.3% | $86,656-53.3% | $75,177-46.1% |
| Participation rate | 100.0% | 63.2%+36.8pp | 71.7%+28.3pp | 67.2%+32.8pp |
| Annual return | 21.77% | 2675.40%-2653.6pp | 593.09%-571.3pp | 160.75%-139.0pp |
| Employer contribution / active EE | $3,670 | $2,316+58.4% | $3,025+21.3% | $2,671+37.4% |
| Participant deferral / active EE | $6,685 | $3,320+101.4% | $4,439+50.6% | $4,126+62.0% |
| Admin fee / account holder | $963 | $4,115-76.6% | $5,619-82.9% | $5,651-83.0% |