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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 | $72,562 | $96,678-24.9% | $86,640-16.2% | $139,466-48.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 16.51% | 106.69%-90.2pp | 592.52%-576.0pp | 373.66%-357.2pp |
| Employer contribution / active EE | $1,374 | $3,265-57.9% | $3,024-54.6% | $4,754-71.1% |
| Participant deferral / active EE | $12,311 | $4,837+154.5% | $4,438+177.4% | $6,712+83.4% |
| Admin fee / account holder | $417 | $6,410-93.5% | $5,616-92.6% | $11,409-96.3% |