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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 | $27,017 | $68,394-60.5% | $94,672-71.5% | $75,177-64.1% |
| Participation rate | 97.3% | 76.1%+21.2pp | 80.8%+16.5pp | 67.2%+30.1pp |
| Annual return | 31.70% | 616.92%-585.2pp | 156.89%-125.2pp | 160.75%-129.0pp |
| Employer contribution / active EE | $5,426 | $2,701+100.9% | $3,673+47.7% | $2,671+103.1% |
| Participant deferral / active EE | $10,921 | $6,536+67.1% | $7,417+47.2% | $4,126+164.7% |
| Admin fee / account holder | $3,997 | $5,326-24.9% | $7,222-44.7% | $5,651-29.3% |