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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 | $122,345 | $176,120-30.5% | $159,487-23.3% | $167,553-27.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.96% | 331.95%-321.0pp | 263.71%-252.8pp | 478.89%-467.9pp |
| Employer contribution / active EE | $3,850 | $5,299-27.3% | $4,831-20.3% | $4,840-20.4% |
| Participant deferral / active EE | $8,333 | $7,752+7.5% | $7,354+13.3% | $6,343+31.4% |
| Admin fee / account holder | $8,182 | $12,561-34.9% | $10,804-24.3% | $12,316-33.6% |