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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 | $128,616 | $160,028-19.6% | $147,080-12.6% | $145,884-11.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.86% | 98.60%-84.7pp | 420.17%-406.3pp | 551.85%-538.0pp |
| Employer contribution / active EE | $10,814 | $5,286+104.6% | $4,933+119.2% | $4,662+132.0% |
| Participant deferral / active EE | $8,390 | $8,422-0.4% | $8,066+4.0% | $6,690+25.4% |
| Admin fee / account holder | $2,654 | $15,030-82.3% | $12,989-79.6% | $13,392-80.2% |