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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 | $49,980 | $106,008-52.9% | $92,240-45.8% | $147,586-66.1% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 15.95% | 50.05%-34.1pp | 176.29%-160.3pp | 578.59%-562.6pp |
| Employer contribution / active EE | $1,323 | $4,333-69.5% | $3,680-64.1% | $4,876-72.9% |
| Participant deferral / active EE | $6,186 | $4,478+38.1% | $3,897+58.7% | $5,439+13.7% |
| Admin fee / account holder | $1,364 | $6,333-78.5% | $5,194-73.7% | $10,886-87.5% |