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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 | $24,528 | $57,330-57.2% | $86,656-71.7% | $75,177-67.4% |
| Participation rate | 100.0% | 63.2%+36.8pp | 71.7%+28.3pp | 67.2%+32.8pp |
| Annual return | 15.99% | 2675.40%-2659.4pp | 593.09%-577.1pp | 160.75%-144.8pp |
| Employer contribution / active EE | $2,477 | $2,316+6.9% | $3,025-18.1% | $2,671-7.3% |
| Participant deferral / active EE | $1,981 | $3,320-40.3% | $4,439-55.4% | $4,126-52.0% |
| Admin fee / account holder | $460 | $4,115-88.8% | $5,619-91.8% | $5,651-91.9% |