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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 | $47,652 | $111,785-57.4% | $93,669-49.1% | $145,877-67.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 23.69% | 203.79%-180.1pp | 133.59%-109.9pp | 551.28%-527.6pp |
| Employer contribution / active EE | $2,076 | $3,096-32.9% | $2,424-14.3% | $4,663-55.5% |
| Participant deferral / active EE | $11,206 | $4,919+127.8% | $4,416+153.8% | $6,691+67.5% |
| Admin fee / account holder | $629 | $10,256-93.9% | $8,291-92.4% | $13,402-95.3% |