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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 | $81,948 | $106,008-22.7% | $92,240-11.2% | $147,586-44.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 19.31% | 50.05%-30.7pp | 176.29%-157.0pp | 578.59%-559.3pp |
| Employer contribution / active EE | $5,721 | $4,333+32.0% | $3,680+55.5% | $4,876+17.3% |
| Participant deferral / active EE | $3,365 | $4,478-24.9% | $3,897-13.7% | $5,439-38.1% |
| Admin fee / account holder | $1,314 | $6,333-79.3% | $5,194-74.7% | $10,886-87.9% |