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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 | $88,090 | $176,120-50.0% | $159,487-44.8% | $167,553-47.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.08% | 331.95%-317.9pp | 263.71%-249.6pp | 478.89%-464.8pp |
| Employer contribution / active EE | $2,306 | $5,299-56.5% | $4,831-52.3% | $4,840-52.4% |
| Participant deferral / active EE | $7,825 | $7,752+0.9% | $7,354+6.4% | $6,343+23.4% |
| Admin fee / account holder | $613 | $12,561-95.1% | $10,804-94.3% | $12,316-95.0% |