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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 | $56,691 | $106,008-46.5% | $92,240-38.5% | $147,586-61.6% |
| Participation rate | 90.0% | 80.4%+9.6pp | 76.5%+13.5pp | 82.8%+7.2pp |
| Annual return | 13.01% | 50.05%-37.0pp | 176.29%-163.3pp | 578.59%-565.6pp |
| Employer contribution / active EE | $4,868 | $4,333+12.3% | $3,680+32.3% | $4,876-0.2% |
| Participant deferral / active EE | $10,750 | $4,478+140.0% | $3,897+175.8% | $5,439+97.7% |
| Admin fee / account holder | $501 | $6,333-92.1% | $5,194-90.3% | $10,886-95.4% |