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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 | $39,676 | $102,382-61.2% | $147,005-73.0% | $80,874-50.9% |
| Participation rate | 98.1% | 75.8%+22.2pp | 82.2%+15.9pp | 67.6%+30.4pp |
| Annual return | 13.92% | 134.89%-121.0pp | 418.76%-404.8pp | 35.62%-21.7pp |
| Employer contribution / active EE | $4,434 | $3,715+19.4% | $4,934-10.1% | $2,756+60.9% |
| Participant deferral / active EE | $5,989 | $6,646-9.9% | $8,070-25.8% | $4,297+39.4% |
| Admin fee / account holder | $1,076 | $7,942-86.4% | $13,006-91.7% | $6,935-84.5% |