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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 | $43,659 | $65,555-33.4% | $86,216-49.4% | $75,173-41.9% |
| Participation rate | 100.0% | 60.5%+39.5pp | 69.0%+31.0pp | 67.2%+32.8pp |
| Annual return | 19.22% | 46.07%-26.9pp | 1169.42%-1150.2pp | 160.72%-141.5pp |
| Employer contribution / active EE | $2,779 | $1,553+78.9% | $2,382+16.7% | $2,671+4.0% |
| Participant deferral / active EE | $1,595 | $3,023-47.2% | $3,986-60.0% | $4,126-61.3% |
| Admin fee / account holder | $2,540 | $5,469-53.6% | $6,853-62.9% | $5,651-55.0% |