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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 | $42,252 | $150,197-71.9% | $120,368-64.9% | $145,959-71.1% |
| Participation rate | 100.0% | 78.8%+21.2pp | 71.9%+28.1pp | 80.3%+19.7pp |
| Annual return | 13.86% | 154.26%-140.4pp | 107.26%-93.4pp | 561.95%-548.1pp |
| Employer contribution / active EE | $1,643 | $4,350-62.2% | $3,465-52.6% | $4,661-64.8% |
| Participant deferral / active EE | $4,111 | $6,174-33.4% | $4,991-17.6% | $6,689-38.5% |
| Admin fee / account holder | $549 | $12,216-95.5% | $9,429-94.2% | $13,398-95.9% |