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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 | $68,118 | $106,008-35.7% | $92,240-26.2% | $147,586-53.8% |
| Participation rate | 85.7% | 80.4%+5.3pp | 76.5%+9.2pp | 82.8%+2.9pp |
| Annual return | 13.26% | 50.05%-36.8pp | 176.29%-163.0pp | 578.59%-565.3pp |
| Employer contribution / active EE | $1,964 | $4,333-54.7% | $3,680-46.6% | $4,876-59.7% |
| Participant deferral / active EE | $3,540 | $4,478-20.9% | $3,897-9.2% | $5,439-34.9% |
| Admin fee / account holder | $1,989 | $6,333-68.6% | $5,194-61.7% | $10,886-81.7% |