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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 | $52,263 | $102,393-49.0% | $147,041-64.5% | $80,911-35.4% |
| Participation rate | 73.3% | 75.9%-2.5pp | 82.2%-8.8pp | 67.6%+5.7pp |
| Annual return | 13.42% | 134.95%-121.5pp | 419.21%-405.8pp | 35.63%-22.2pp |
| Employer contribution / active EE | $4,752 | $3,715+27.9% | $4,935-3.7% | $2,756+72.4% |
| Participant deferral / active EE | $5,288 | $6,647-20.4% | $8,071-34.5% | $4,297+23.1% |
| Admin fee / account holder | $833 | $7,943-89.5% | $13,006-93.6% | $6,935-88.0% |