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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 | $84,550 | $171,492-50.7% | $150,734-43.9% | $198,609-57.4% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 30.12% | 804.70%-774.6pp | 600.81%-570.7pp | 202.70%-172.6pp |
| Employer contribution / active EE | $4,983 | $5,470-8.9% | $4,918+1.3% | $5,055-1.4% |
| Participant deferral / active EE | $11,895 | $6,259+90.0% | $5,610+112.0% | $6,977+70.5% |
| Admin fee / account holder | $9,388 | $17,628-46.7% | $14,905-37.0% | $19,030-50.7% |