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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 | $89,868 | $176,120-49.0% | $159,487-43.7% | $167,553-46.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.94% | 331.95%-318.0pp | 263.71%-249.8pp | 478.89%-464.9pp |
| Employer contribution / active EE | $16,126 | $5,299+204.3% | $4,831+233.8% | $4,840+233.2% |
| Participant deferral / active EE | $14,461 | $7,752+86.6% | $7,354+96.7% | $6,343+128.0% |
| Admin fee / account holder | $1,025 | $12,561-91.8% | $10,804-90.5% | $12,316-91.7% |