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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 | $61,747 | $106,003-41.7% | $92,236-33.1% | $147,585-58.2% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 16.55% | 50.05%-33.5pp | 176.29%-159.7pp | 578.57%-562.0pp |
| Employer contribution / active EE | $5,091 | $4,333+17.5% | $3,679+38.4% | $4,876+4.4% |
| Participant deferral / active EE | $6,118 | $4,478+36.6% | $3,897+57.0% | $5,439+12.5% |
| Admin fee / account holder | $4,816 | $6,333-24.0% | $5,194-7.3% | $10,885-55.8% |