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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 | $72,212 | $160,028-54.9% | $147,080-50.9% | $145,884-50.5% |
| Participation rate | 92.3% | 84.0%+8.3pp | 82.2%+10.1pp | 80.3%+12.0pp |
| Annual return | 26.83% | 98.60%-71.8pp | 420.17%-393.3pp | 551.85%-525.0pp |
| Employer contribution / active EE | $9,114 | $5,286+72.4% | $4,933+84.7% | $4,662+95.5% |
| Participant deferral / active EE | $6,210 | $8,422-26.3% | $8,066-23.0% | $6,690-7.2% |
| Admin fee / account holder | $4,609 | $15,030-69.3% | $12,989-64.5% | $13,392-65.6% |