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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 | $87,513 | $160,028-45.3% | $147,080-40.5% | $145,884-40.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 14.81% | 98.60%-83.8pp | 420.17%-405.4pp | 551.85%-537.0pp |
| Employer contribution / active EE | $8,703 | $5,286+64.6% | $4,933+76.4% | $4,662+86.7% |
| Participant deferral / active EE | $6,041 | $8,422-28.3% | $8,066-25.1% | $6,690-9.7% |
| Admin fee / account holder | $2,608 | $15,030-82.6% | $12,989-79.9% | $13,392-80.5% |