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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 | $63,347 | $114,073-44.5% | $96,161-34.1% | $167,518-62.2% |
| Participation rate | 87.5% | 75.1%+12.4pp | 68.4%+19.1pp | 82.1%+5.4pp |
| Annual return | 10.89% | 189.95%-179.1pp | 192.01%-181.1pp | 478.71%-467.8pp |
| Employer contribution / active EE | $417 | $3,428-87.8% | $2,798-85.1% | $4,838-91.4% |
| Participant deferral / active EE | $8,098 | $5,195+55.9% | $4,349+86.2% | $6,342+27.7% |
| Admin fee / account holder | $7,810 | $6,899+13.2% | $5,538+41.0% | $12,312-36.6% |