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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 | $43,063 | $102,385-57.9% | $147,080-70.7% | $80,935-46.8% |
| Participation rate | 96.7% | 75.9%+20.8pp | 82.2%+14.5pp | 67.7%+29.0pp |
| Annual return | 16.27% | 135.09%-118.8pp | 420.17%-403.9pp | 35.66%-19.4pp |
| Employer contribution / active EE | $7,453 | $3,717+100.5% | $4,933+51.1% | $2,757+170.4% |
| Participant deferral / active EE | $10,668 | $6,651+60.4% | $8,066+32.3% | $4,299+148.1% |
| Admin fee / account holder | $2,073 | $7,951-73.9% | $12,989-84.0% | $6,924-70.1% |