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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 | $116,748 | $80,812+44.5% | $160,784-27.4% | $82,448+41.6% |
| Participation rate | 92.9% | 66.2%+26.6pp | 77.0%+15.9pp | 68.1%+24.8pp |
| Annual return | 13.66% | 100.59%-86.9pp | 1803.92%-1790.3pp | 41.64%-28.0pp |
| Employer contribution / active EE | $4,211 | $2,174+93.7% | $3,733+12.8% | $2,551+65.1% |
| Participant deferral / active EE | $7,969 | $4,335+83.8% | $6,293+26.6% | $4,139+92.5% |
| Admin fee / account holder | $856 | $7,695-88.9% | $9,717-91.2% | $7,234-88.2% |