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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 | $24,077 | $106,008-77.3% | $92,240-73.9% | $147,586-83.7% |
| Participation rate | 95.8% | 80.4%+15.4pp | 76.5%+19.4pp | 82.8%+13.0pp |
| Annual return | 20.33% | 50.05%-29.7pp | 176.29%-156.0pp | 578.59%-558.3pp |
| Employer contribution / active EE | $16,384 | $4,333+278.1% | $3,680+345.3% | $4,876+236.0% |
| Participant deferral / active EE | $3,451 | $4,478-22.9% | $3,897-11.4% | $5,439-36.6% |
| Admin fee / account holder | $2,455 | $6,333-61.2% | $5,194-52.7% | $10,886-77.4% |