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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 | $75,620 | $115,796-34.7% | $101,264-25.3% | $158,950-52.4% |
| Participation rate | 94.4% | 79.4%+15.1pp | 75.8%+18.6pp | 82.0%+12.5pp |
| Annual return | 13.71% | 56.15%-42.4pp | 46.48%-32.8pp | 302.91%-289.2pp |
| Employer contribution / active EE | $6,427 | $4,175+53.9% | $3,660+75.6% | $4,762+35.0% |
| Participant deferral / active EE | $5,477 | $4,958+10.5% | $4,370+25.3% | $5,983-8.4% |
| Admin fee / account holder | $700 | $7,247-90.3% | $5,947-88.2% | $11,248-93.8% |