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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 | $85,258 | $106,008-19.6% | $92,240-7.6% | $147,586-42.2% |
| Participation rate | 87.5% | 80.4%+7.1pp | 76.5%+11.0pp | 82.8%+4.7pp |
| Annual return | 16.12% | 50.05%-33.9pp | 176.29%-160.2pp | 578.59%-562.5pp |
| Employer contribution / active EE | $6,442 | $4,333+48.7% | $3,680+75.1% | $4,876+32.1% |
| Participant deferral / active EE | $5,153 | $4,478+15.1% | $3,897+32.2% | $5,439-5.2% |
| Admin fee / account holder | $815 | $6,333-87.1% | $5,194-84.3% | $10,886-92.5% |