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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 | $80,060 | $102,393-21.8% | $147,041-45.6% | $80,911-1.1% |
| Participation rate | 96.1% | 75.9%+20.2pp | 82.2%+13.9pp | 67.6%+28.4pp |
| Annual return | 20.17% | 134.95%-114.8pp | 419.21%-399.0pp | 35.63%-15.5pp |
| Employer contribution / active EE | $3,689 | $3,715-0.7% | $4,935-25.2% | $2,756+33.9% |
| Participant deferral / active EE | $10,817 | $6,647+62.7% | $8,071+34.0% | $4,297+151.7% |
| Admin fee / account holder | $596 | $7,943-92.5% | $13,006-95.4% | $6,935-91.4% |