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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 | $83,149 | $96,691-14.0% | $86,656-4.0% | $139,487-40.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 34.14% | 106.87%-72.7pp | 593.09%-559.0pp | 373.84%-339.7pp |
| Employer contribution / active EE | $3,701 | $3,267+13.3% | $3,025+22.3% | $4,755-22.2% |
| Participant deferral / active EE | $1,530 | $4,838-68.4% | $4,439-65.5% | $6,713-77.2% |
| Admin fee / account holder | $8,422 | $6,414+31.3% | $5,619+49.9% | $11,407-26.2% |