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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 | $97,105 | $105,145-7.6% | $94,664+2.6% | $139,466-30.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 13.94% | 38.09%-24.2pp | 156.84%-142.9pp | 373.66%-359.7pp |
| Employer contribution / active EE | $6,149 | $4,107+49.7% | $3,673+67.4% | $4,754+29.3% |
| Participant deferral / active EE | $13,432 | $7,599+76.8% | $7,417+81.1% | $6,712+100.1% |
| Admin fee / account holder | $10,761 | $8,972+19.9% | $7,222+49.0% | $11,409-5.7% |