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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 | $99,390 | $176,105-43.6% | $159,474-37.7% | $167,536-40.7% |
| Participation rate | 77.8% | 85.0%-7.2pp | 82.8%-5.1pp | 82.1%-4.3pp |
| Annual return | 10.91% | 331.91%-321.0pp | 263.68%-252.8pp | 478.82%-467.9pp |
| Employer contribution / active EE | $2,587 | $5,299-51.2% | $4,831-46.5% | $4,839-46.5% |
| Participant deferral / active EE | $6,690 | $7,751-13.7% | $7,353-9.0% | $6,342+5.5% |
| Admin fee / account holder | $4,311 | $12,559-65.7% | $10,802-60.1% | $12,315-65.0% |