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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 | $79,346 | $106,008-25.2% | $92,240-14.0% | $147,586-46.2% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 12.99% | 50.05%-37.1pp | 176.29%-163.3pp | 578.59%-565.6pp |
| Employer contribution / active EE | $4,013 | $4,333-7.4% | $3,680+9.1% | $4,876-17.7% |
| Participant deferral / active EE | $6,983 | $4,478+55.9% | $3,897+79.2% | $5,439+28.4% |
| Admin fee / account holder | $2,031 | $6,333-67.9% | $5,194-60.9% | $10,886-81.3% |