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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 | $49,715 | $114,130-56.4% | $96,192-48.3% | $167,553-70.3% |
| Participation rate | 81.3% | 75.1%+6.2pp | 68.4%+12.8pp | 82.1%-0.9pp |
| Annual return | 12.80% | 190.07%-177.3pp | 192.09%-179.3pp | 478.89%-466.1pp |
| Employer contribution / active EE | $1,636 | $3,431-52.3% | $2,799-41.6% | $4,840-66.2% |
| Participant deferral / active EE | $2,829 | $5,198-45.6% | $4,351-35.0% | $6,343-55.4% |
| Admin fee / account holder | $9,250 | $6,901+34.0% | $5,539+67.0% | $12,316-24.9% |