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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 | $86,769 | $159,978-45.8% | $147,041-41.0% | $145,978-40.6% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 15.84% | 98.36%-82.5pp | 419.21%-403.4pp | 550.52%-534.7pp |
| Employer contribution / active EE | $2,000 | $5,288-62.2% | $4,935-59.5% | $4,662-57.1% |
| Participant deferral / active EE | $8,113 | $8,429-3.8% | $8,071+0.5% | $6,690+21.3% |
| Admin fee / account holder | $9,495 | $15,053-36.9% | $13,006-27.0% | $13,400-29.1% |