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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 | $88,601 | $105,158-15.7% | $94,672-6.4% | $139,487-36.5% |
| Participation rate | 100.0% | 82.4%+17.6pp | 80.8%+19.2pp | 80.3%+19.7pp |
| Annual return | 17.79% | 38.11%-20.3pp | 156.89%-139.1pp | 373.84%-356.0pp |
| Employer contribution / active EE | $5,899 | $4,107+43.6% | $3,673+60.6% | $4,755+24.1% |
| Participant deferral / active EE | $14,896 | $7,599+96.0% | $7,417+100.8% | $6,713+121.9% |
| Admin fee / account holder | $6,573 | $8,972-26.7% | $7,222-9.0% | $11,407-42.4% |