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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 | $104,879 | $176,105-40.4% | $159,474-34.2% | $167,536-37.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.63% | 331.91%-321.3pp | 263.68%-253.0pp | 478.82%-468.2pp |
| Employer contribution / active EE | $5,807 | $5,299+9.6% | $4,831+20.2% | $4,839+20.0% |
| Participant deferral / active EE | $4,945 | $7,751-36.2% | $7,353-32.7% | $6,342-22.0% |
| Admin fee / account holder | $2,469 | $12,559-80.3% | $10,802-77.1% | $12,315-80.0% |