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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 | $87,734 | $176,120-50.2% | $159,487-45.0% | $167,553-47.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 21.67% | 331.95%-310.3pp | 263.71%-242.0pp | 478.89%-457.2pp |
| Employer contribution / active EE | $1,665 | $5,299-68.6% | $4,831-65.5% | $4,840-65.6% |
| Participant deferral / active EE | $12,132 | $7,752+56.5% | $7,354+65.0% | $6,343+91.3% |
| Admin fee / account holder | $598 | $12,561-95.2% | $10,804-94.5% | $12,316-95.1% |