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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 | $91,133 | $112,112-18.7% | $95,956-5.0% | $158,950-42.7% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 9.73% | 171.15%-161.4pp | 91.63%-81.9pp | 302.91%-293.2pp |
| Employer contribution / active EE | $4,798 | $3,199+50.0% | $2,541+88.8% | $4,762+0.7% |
| Participant deferral / active EE | $18,832 | $4,784+293.7% | $4,167+352.0% | $5,983+214.8% |
| Admin fee / account holder | $6,913 | $10,134-31.8% | $6,797+1.7% | $11,248-38.5% |