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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 | $79,918 | $106,008-24.6% | $92,240-13.4% | $147,586-45.8% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 11.60% | 50.05%-38.5pp | 176.29%-164.7pp | 578.59%-567.0pp |
| Employer contribution / active EE | $8,466 | $4,333+95.4% | $3,680+130.1% | $4,876+73.6% |
| Participant deferral / active EE | $15,195 | $4,478+239.3% | $3,897+289.9% | $5,439+179.4% |
| Admin fee / account holder | $2,536 | $6,333-60.0% | $5,194-51.2% | $10,886-76.7% |