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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 | $46,517 | $106,008-56.1% | $92,240-49.6% | $147,586-68.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 12.99% | 50.05%-37.1pp | 176.29%-163.3pp | 578.59%-565.6pp |
| Employer contribution / active EE | $4,237 | $4,333-2.2% | $3,680+15.2% | $4,876-13.1% |
| Participant deferral / active EE | $5,648 | $4,478+26.1% | $3,897+44.9% | $5,439+3.8% |
| Admin fee / account holder | $444 | $6,333-93.0% | $5,194-91.5% | $10,886-95.9% |