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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 | $143,865 | $176,077-18.3% | $159,455-9.8% | $167,518-14.1% |
| Participation rate | 71.4% | 84.9%-13.5pp | 82.8%-11.4pp | 82.1%-10.7pp |
| Annual return | 14.50% | 331.83%-317.3pp | 263.63%-249.1pp | 478.71%-464.2pp |
| Employer contribution / active EE | $16,737 | $5,298+215.9% | $4,830+246.5% | $4,838+245.9% |
| Participant deferral / active EE | $12,210 | $7,751+57.5% | $7,353+66.1% | $6,342+92.5% |
| Admin fee / account holder | $5,686 | $12,556-54.7% | $10,800-47.4% | $12,312-53.8% |