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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 | $43,220 | $102,393-57.8% | $147,041-70.6% | $80,911-46.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 13.03% | 134.95%-121.9pp | 419.21%-406.2pp | 35.63%-22.6pp |
| Employer contribution / active EE | $2,549 | $3,715-31.4% | $4,935-48.4% | $2,756-7.5% |
| Participant deferral / active EE | $6,327 | $6,647-4.8% | $8,071-21.6% | $4,297+47.2% |
| Admin fee / account holder | $1,310 | $7,943-83.5% | $13,006-89.9% | $6,935-81.1% |