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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 | $30,755 | $102,393-70.0% | $147,041-79.1% | $80,911-62.0% |
| Participation rate | 97.6% | 75.9%+21.8pp | 82.2%+15.5pp | 67.6%+30.0pp |
| Annual return | 13.22% | 134.95%-121.7pp | 419.21%-406.0pp | 35.63%-22.4pp |
| Employer contribution / active EE | $3,292 | $3,715-11.4% | $4,935-33.3% | $2,756+19.5% |
| Participant deferral / active EE | $5,436 | $6,647-18.2% | $8,071-32.6% | $4,297+26.5% |
| Admin fee / account holder | $6,220 | $7,943-21.7% | $13,006-52.2% | $6,935-10.3% |