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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 | $48,286 | $96,691-50.1% | $86,656-44.3% | $139,487-65.4% |
| Participation rate | 80.0% | 74.4%+5.6pp | 71.7%+8.3pp | 80.3%-0.3pp |
| Annual return | 16.87% | 106.87%-90.0pp | 593.09%-576.2pp | 373.84%-357.0pp |
| Employer contribution / active EE | $6,828 | $3,267+109.0% | $3,025+125.7% | $4,755+43.6% |
| Participant deferral / active EE | $4,326 | $4,838-10.6% | $4,439-2.6% | $6,713-35.6% |
| Admin fee / account holder | $4,030 | $6,414-37.2% | $5,619-28.3% | $11,407-64.7% |