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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 | $172,661 | $144,130+19.8% | $117,861+46.5% | $147,586+17.0% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 16.20% | 531.20%-515.0pp | 335.11%-318.9pp | 578.59%-562.4pp |
| Employer contribution / active EE | $2,915 | $4,897-40.5% | $3,786-23.0% | $4,876-40.2% |
| Participant deferral / active EE | $8,584 | $5,316+61.5% | $4,482+91.5% | $5,439+57.8% |
| Admin fee / account holder | $661 | $10,887-93.9% | $8,021-91.8% | $10,886-93.9% |