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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 | $62,253 | $160,028-61.1% | $147,080-57.7% | $145,884-57.3% |
| Participation rate | 95.2% | 84.0%+11.2pp | 82.2%+13.1pp | 80.3%+14.9pp |
| Annual return | 17.77% | 98.60%-80.8pp | 420.17%-402.4pp | 551.85%-534.1pp |
| Employer contribution / active EE | $8,850 | $5,286+67.4% | $4,933+79.4% | $4,662+89.8% |
| Participant deferral / active EE | $11,708 | $8,422+39.0% | $8,066+45.2% | $6,690+75.0% |
| Admin fee / account holder | $2,497 | $15,030-83.4% | $12,989-80.8% | $13,392-81.4% |