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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 | $72,098 | $107,363-32.8% | $92,909-22.4% | $152,897-52.8% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 18.66% | 145.63%-127.0pp | 109.44%-90.8pp | 345.43%-326.8pp |
| Employer contribution / active EE | $3,861 | $4,222-8.6% | $3,653+5.7% | $4,764-18.9% |
| Participant deferral / active EE | $4,784 | $4,848-1.3% | $4,238+12.9% | $5,851-18.2% |
| Admin fee / account holder | $16,053 | $7,082+126.7% | $5,795+177.0% | $11,599+38.4% |