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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 | $75,786 | $106,008-28.5% | $92,240-17.8% | $147,586-48.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 13.88% | 50.05%-36.2pp | 176.29%-162.4pp | 578.59%-564.7pp |
| Employer contribution / active EE | $7,621 | $4,333+75.9% | $3,680+107.1% | $4,876+56.3% |
| Participant deferral / active EE | $4,896 | $4,478+9.3% | $3,897+25.6% | $5,439-10.0% |
| Admin fee / account holder | $316 | $6,333-95.0% | $5,194-93.9% | $10,886-97.1% |