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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 | $92,734 | $96,678-4.1% | $86,640+7.0% | $139,466-33.5% |
| Participation rate | 86.4% | 74.4%+11.9pp | 71.7%+14.7pp | 80.3%+6.0pp |
| Annual return | 20.68% | 106.69%-86.0pp | 592.52%-571.8pp | 373.66%-353.0pp |
| Employer contribution / active EE | $4,825 | $3,265+47.8% | $3,024+59.5% | $4,754+1.5% |
| Participant deferral / active EE | $11,357 | $4,837+134.8% | $4,438+155.9% | $6,712+69.2% |
| Admin fee / account holder | $20,444 | $6,410+218.9% | $5,616+264.0% | $11,409+79.2% |