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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 | $62,687 | $49,164+27.5% | $121,169-48.3% | $75,181-16.6% |
| Participation rate | 100.0% | 55.4%+44.6pp | 69.5%+30.5pp | 67.2%+32.8pp |
| Annual return | 19.25% | 56.03%-36.8pp | 986.71%-967.5pp | 160.69%-141.4pp |
| Employer contribution / active EE | $3,928 | $1,546+154.0% | $4,168-5.8% | $2,671+47.1% |
| Participant deferral / active EE | $11,258 | $2,628+328.4% | $4,083+175.8% | $4,126+172.9% |
| Admin fee / account holder | $3,471 | $3,942-12.0% | $5,645-38.5% | $5,650-38.6% |