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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 | $45,704 | $102,382-55.4% | $147,005-68.9% | $80,874-43.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 14.47% | 134.89%-120.4pp | 418.76%-404.3pp | 35.62%-21.1pp |
| Employer contribution / active EE | $4,924 | $3,715+32.6% | $4,934-0.2% | $2,756+78.7% |
| Participant deferral / active EE | $9,789 | $6,646+47.3% | $8,070+21.3% | $4,297+127.8% |
| Admin fee / account holder | $14,848 | $7,942+87.0% | $13,006+14.2% | $6,935+114.1% |