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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 | $114,008 | $160,040-28.8% | $147,096-22.5% | $145,877-21.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 24.31% | 98.49%-74.2pp | 419.75%-395.4pp | 551.28%-527.0pp |
| Employer contribution / active EE | $5,743 | $5,289+8.6% | $4,936+16.4% | $4,663+23.2% |
| Participant deferral / active EE | $13,281 | $8,429+57.6% | $8,071+64.5% | $6,691+98.5% |
| Admin fee / account holder | $6,074 | $15,050-59.6% | $13,005-53.3% | $13,402-54.7% |