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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 | $120,355 | $106,008+13.5% | $92,240+30.5% | $147,586-18.5% |
| Participation rate | 89.5% | 80.4%+9.1pp | 76.5%+13.0pp | 82.8%+6.6pp |
| Annual return | 15.90% | 50.05%-34.1pp | 176.29%-160.4pp | 578.59%-562.7pp |
| Employer contribution / active EE | $7,480 | $4,333+72.6% | $3,680+103.3% | $4,876+53.4% |
| Participant deferral / active EE | $4,395 | $4,478-1.9% | $3,897+12.8% | $5,439-19.2% |
| Admin fee / account holder | $965 | $6,333-84.8% | $5,194-81.4% | $10,886-91.1% |