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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 | $89,237 | $176,105-49.3% | $159,474-44.0% | $167,536-46.7% |
| Participation rate | 75.0% | 85.0%-10.0pp | 82.8%-7.8pp | 82.1%-7.1pp |
| Annual return | 17.10% | 331.91%-314.8pp | 263.68%-246.6pp | 478.82%-461.7pp |
| Employer contribution / active EE | $12,376 | $5,299+133.6% | $4,831+156.2% | $4,839+155.7% |
| Participant deferral / active EE | $6,117 | $7,751-21.1% | $7,353-16.8% | $6,342-3.6% |
| Admin fee / account holder | $1,505 | $12,559-88.0% | $10,802-86.1% | $12,315-87.8% |