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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 | $138,471 | $96,643+43.3% | $86,617+59.9% | $139,456-0.7% |
| Participation rate | 75.0% | 74.4%+0.6pp | 71.7%+3.3pp | 80.3%-5.3pp |
| Annual return | 16.10% | 106.57%-90.5pp | 591.91%-575.8pp | 373.45%-357.4pp |
| Employer contribution / active EE | $4,297 | $3,264+31.6% | $3,023+42.1% | $4,753-9.6% |
| Participant deferral / active EE | $8,579 | $4,835+77.4% | $4,437+93.3% | $6,711+27.8% |
| Admin fee / account holder | $3,117 | $6,406-51.3% | $5,613-44.5% | $11,407-72.7% |