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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 | $196,499 | $144,130+36.3% | $117,861+66.7% | $147,586+33.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 20.37% | 531.20%-510.8pp | 335.11%-314.7pp | 578.59%-558.2pp |
| Employer contribution / active EE | $9,762 | $4,897+99.3% | $3,786+157.8% | $4,876+100.2% |
| Participant deferral / active EE | $6,425 | $5,316+20.8% | $4,482+43.3% | $5,439+18.1% |
| Admin fee / account holder | $447 | $10,887-95.9% | $8,021-94.4% | $10,886-95.9% |