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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 | $75,417 | $209,428-64.0% | $178,498-57.7% | $158,950-52.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 13.89% | 188.78%-174.9pp | 151.09%-137.2pp | 302.91%-289.0pp |
| Employer contribution / active EE | $4,965 | $5,707-13.0% | $5,011-0.9% | $4,762+4.3% |
| Participant deferral / active EE | $4,234 | $5,955-28.9% | $5,202-18.6% | $5,983-29.2% |
| Admin fee / account holder | $4,358 | $17,077-74.5% | $13,985-68.8% | $11,248-61.3% |