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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 | $66,163 | $107,941-38.7% | $91,994-28.1% | $152,909-56.7% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 14.43% | 89.28%-74.8pp | 69.04%-54.6pp | 345.46%-331.0pp |
| Employer contribution / active EE | $4,804 | $4,212+14.1% | $3,453+39.1% | $4,764+0.8% |
| Participant deferral / active EE | $4,972 | $6,366-21.9% | $5,924-16.1% | $5,851-15.0% |
| Admin fee / account holder | $6,636 | $10,521-36.9% | $7,744-14.3% | $11,601-42.8% |