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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 | $30,661 | $70,666-56.6% | $169,369-81.9% | $75,173-59.2% |
| Participation rate | 100.0% | 64.8%+35.2pp | 77.2%+22.8pp | 67.2%+32.8pp |
| Annual return | 45.02% | 36.37%+8.7pp | 405.70%-360.7pp | 160.65%-115.6pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,011-100.0% | $2,670-100.0% |
| Participant deferral / active EE | $8,679 | $4,308+101.5% | $6,221+39.5% | $4,126+110.4% |
| Admin fee / account holder | $467 | $5,402-91.4% | $9,009-94.8% | $5,651-91.7% |