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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 | $61,380 | $111,785-45.1% | $93,669-34.5% | $145,877-57.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 14.77% | 203.79%-189.0pp | 133.59%-118.8pp | 551.28%-536.5pp |
| Employer contribution / active EE | $5,368 | $3,096+73.4% | $2,424+121.5% | $4,663+15.1% |
| Participant deferral / active EE | $6,101 | $4,919+24.0% | $4,416+38.2% | $6,691-8.8% |
| Admin fee / account holder | $797 | $10,256-92.2% | $8,291-90.4% | $13,402-94.1% |