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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 | $76,480 | $106,008-27.9% | $92,240-17.1% | $147,586-48.2% |
| Participation rate | 90.9% | 80.4%+10.5pp | 76.5%+14.4pp | 82.8%+8.1pp |
| Annual return | 13.86% | 50.05%-36.2pp | 176.29%-162.4pp | 578.59%-564.7pp |
| Employer contribution / active EE | $3,572 | $4,333-17.6% | $3,680-2.9% | $4,876-26.7% |
| Participant deferral / active EE | $5,103 | $4,478+13.9% | $3,897+30.9% | $5,439-6.2% |
| Admin fee / account holder | $11,216 | $6,333+77.1% | $5,194+115.9% | $10,886+3.0% |