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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 | $138,525 | $106,003+30.7% | $92,236+50.2% | $147,585-6.1% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 18.44% | 50.05%-31.6pp | 176.29%-157.8pp | 578.57%-560.1pp |
| Employer contribution / active EE | $4,730 | $4,333+9.2% | $3,679+28.6% | $4,876-3.0% |
| Participant deferral / active EE | $6,191 | $4,478+38.3% | $3,897+58.9% | $5,439+13.8% |
| Admin fee / account holder | $1,949 | $6,333-69.2% | $5,194-62.5% | $10,885-82.1% |