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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 | $59,693 | $60,139-0.7% | $90,461-34.0% | $79,856-25.2% |
| Participation rate | 100.0% | 65.0%+35.0pp | 72.7%+27.3pp | 69.6%+30.4pp |
| Annual return | 15.65% | 71.96%-56.3pp | 1294.76%-1279.1pp | 31.71%-16.1pp |
| Employer contribution / active EE | $1,685 | $2,069-18.6% | $3,264-48.4% | $2,471-31.8% |
| Participant deferral / active EE | $4,983 | $2,939+69.6% | $3,964+25.7% | $3,741+33.2% |
| Admin fee / account holder | $3,904 | $3,978-1.9% | $5,617-30.5% | $5,306-26.4% |