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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 | $108,504 | $114,047-4.9% | $96,144+12.9% | $167,497-35.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 16.58% | 189.89%-173.3pp | 191.96%-175.4pp | 478.62%-462.0pp |
| Employer contribution / active EE | $3,561 | $3,427+3.9% | $2,797+27.3% | $4,838-26.4% |
| Participant deferral / active EE | $8,036 | $5,194+54.7% | $4,349+84.8% | $6,341+26.7% |
| Admin fee / account holder | $8,953 | $6,897+29.8% | $5,537+61.7% | $12,310-27.3% |