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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 | $112,356 | $160,070-29.8% | $147,117-23.6% | $145,897-23.0% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 11.80% | 98.69%-86.9pp | 420.54%-408.7pp | 552.29%-540.5pp |
| Employer contribution / active EE | $11,697 | $5,285+121.3% | $4,932+137.1% | $4,663+150.9% |
| Participant deferral / active EE | $12,131 | $8,419+44.1% | $8,065+50.4% | $6,689+81.3% |
| Admin fee / account holder | $8,759 | $15,035-41.7% | $12,993-32.6% | $13,390-34.6% |