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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 | $131,304 | $107,363+22.3% | $92,909+41.3% | $152,897-14.1% |
| Participation rate | 94.1% | 79.8%+14.3pp | 76.0%+18.1pp | 82.5%+11.7pp |
| Annual return | 21.08% | 145.63%-124.5pp | 109.44%-88.4pp | 345.43%-324.4pp |
| Employer contribution / active EE | $2,359 | $4,222-44.1% | $3,653-35.4% | $4,764-50.5% |
| Participant deferral / active EE | $4,655 | $4,848-4.0% | $4,238+9.8% | $5,851-20.4% |
| Admin fee / account holder | $1,849 | $7,082-73.9% | $5,795-68.1% | $11,599-84.1% |