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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 | $104,905 | $160,070-34.5% | $147,117-28.7% | $145,897-28.1% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 16.79% | 98.69%-81.9pp | 420.54%-403.8pp | 552.29%-535.5pp |
| Employer contribution / active EE | $12,849 | $5,285+143.1% | $4,932+160.5% | $4,663+175.6% |
| Participant deferral / active EE | $9,548 | $8,419+13.4% | $8,065+18.4% | $6,689+42.7% |
| Admin fee / account holder | $12,115 | $15,035-19.4% | $12,993-6.8% | $13,390-9.5% |