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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 | $108,753 | $176,105-38.2% | $159,474-31.8% | $167,536-35.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.82% | 331.91%-319.1pp | 263.68%-250.9pp | 478.82%-466.0pp |
| Employer contribution / active EE | $13,262 | $5,299+150.3% | $4,831+174.5% | $4,839+174.1% |
| Participant deferral / active EE | $8,136 | $7,751+5.0% | $7,353+10.6% | $6,342+28.3% |
| Admin fee / account holder | $2,080 | $12,559-83.4% | $10,802-80.7% | $12,315-83.1% |