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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 | $122,458 | $176,105-30.5% | $159,474-23.2% | $167,536-26.9% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 18.33% | 331.91%-313.6pp | 263.68%-245.3pp | 478.82%-460.5pp |
| Employer contribution / active EE | $11,101 | $5,299+109.5% | $4,831+129.8% | $4,839+129.4% |
| Participant deferral / active EE | $11,066 | $7,751+42.8% | $7,353+50.5% | $6,342+74.5% |
| Admin fee / account holder | $1,967 | $12,559-84.3% | $10,802-81.8% | $12,315-84.0% |