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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 | $20,340 | $106,005-80.8% | $92,239-77.9% | $147,585-86.2% |
| Participation rate | 94.1% | 80.4%+13.7pp | 76.5%+17.6pp | 82.8%+11.3pp |
| Annual return | 67.20% | 50.05%+17.2pp | 176.29%-109.1pp | 578.58%-511.4pp |
| Employer contribution / active EE | $2,293 | $4,333-47.1% | $3,680-37.7% | $4,876-53.0% |
| Participant deferral / active EE | $4,141 | $4,478-7.5% | $3,897+6.3% | $5,439-23.9% |
| Admin fee / account holder | $4,714 | $6,333-25.6% | $5,194-9.2% | $10,886-56.7% |