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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 | $59,442 | $160,070-62.9% | $147,117-59.6% | $145,897-59.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.78% | 98.69%-86.9pp | 420.54%-408.8pp | 552.29%-540.5pp |
| Employer contribution / active EE | $1,938 | $5,285-63.3% | $4,932-60.7% | $4,663-58.4% |
| Participant deferral / active EE | $8,925 | $8,419+6.0% | $8,065+10.7% | $6,689+33.4% |
| Admin fee / account holder | $4,125 | $15,035-72.6% | $12,993-68.3% | $13,390-69.2% |