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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 | $44,678 | $60,119-25.7% | $90,430-50.6% | $79,858-44.1% |
| Participation rate | 100.0% | 65.0%+35.0pp | 72.7%+27.3pp | 69.6%+30.4pp |
| Annual return | 30.43% | 71.94%-41.5pp | 1293.73%-1263.3pp | 31.72%-1.3pp |
| Employer contribution / active EE | $4,739 | $2,068+129.2% | $3,262+45.3% | $2,471+91.8% |
| Participant deferral / active EE | $7,855 | $2,938+167.4% | $3,963+98.2% | $3,740+110.0% |
| Admin fee / account holder | $578 | $3,976-85.5% | $5,613-89.7% | $5,306-89.1% |