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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 | $156,177 | $114,093+36.9% | $96,171+62.4% | $167,536-6.8% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 15.70% | 190.00%-174.3pp | 192.04%-176.3pp | 478.82%-463.1pp |
| Employer contribution / active EE | $3,773 | $3,429+10.0% | $2,799+34.8% | $4,839-22.0% |
| Participant deferral / active EE | $6,979 | $5,197+34.3% | $4,350+60.4% | $6,342+10.0% |
| Admin fee / account holder | $1,979 | $6,899-71.3% | $5,538-64.3% | $12,315-83.9% |