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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 | $192,799 | $111,785+72.5% | $93,669+105.8% | $145,877+32.2% |
| Participation rate | 90.9% | 74.2%+16.7pp | 68.7%+22.2pp | 80.3%+10.6pp |
| Annual return | 11.15% | 203.79%-192.6pp | 133.59%-122.4pp | 551.28%-540.1pp |
| Employer contribution / active EE | $2,963 | $3,096-4.3% | $2,424+22.3% | $4,663-36.5% |
| Participant deferral / active EE | $4,301 | $4,919-12.6% | $4,416-2.6% | $6,691-35.7% |
| Admin fee / account holder | $21,356 | $10,256+108.2% | $8,291+157.6% | $13,402+59.3% |