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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 | $99,841 | $176,120-43.3% | $159,487-37.4% | $167,553-40.4% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 10.86% | 331.95%-321.1pp | 263.71%-252.8pp | 478.89%-468.0pp |
| Employer contribution / active EE | $10,217 | $5,299+92.8% | $4,831+111.5% | $4,840+111.1% |
| Participant deferral / active EE | $5,432 | $7,752-29.9% | $7,354-26.1% | $6,343-14.4% |
| Admin fee / account holder | $967 | $12,561-92.3% | $10,804-91.1% | $12,316-92.2% |