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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 | $84,563 | $209,428-59.6% | $178,498-52.6% | $158,950-46.8% |
| Participation rate | 71.4% | 86.4%-14.9pp | 81.9%-10.5pp | 82.0%-10.5pp |
| Annual return | 20.40% | 188.78%-168.4pp | 151.09%-130.7pp | 302.91%-282.5pp |
| Employer contribution / active EE | $8,253 | $5,707+44.6% | $5,011+64.7% | $4,762+73.3% |
| Participant deferral / active EE | $6,579 | $5,955+10.5% | $5,202+26.5% | $5,983+10.0% |
| Admin fee / account holder | $5,147 | $17,077-69.9% | $13,985-63.2% | $11,248-54.2% |