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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 | $47,631 | $107,363-55.6% | $92,909-48.7% | $152,897-68.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 18.49% | 145.63%-127.1pp | 109.44%-91.0pp | 345.43%-326.9pp |
| Employer contribution / active EE | $7,849 | $4,222+85.9% | $3,653+114.8% | $4,764+64.8% |
| Participant deferral / active EE | $8,571 | $4,848+76.8% | $4,238+102.2% | $5,851+46.5% |
| Admin fee / account holder | $6,281 | $7,082-11.3% | $5,795+8.4% | $11,599-45.9% |