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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 | $123,864 | $160,070-22.6% | $147,117-15.8% | $145,897-15.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 16.66% | 98.69%-82.0pp | 420.54%-403.9pp | 552.29%-535.6pp |
| Employer contribution / active EE | $3,530 | $5,285-33.2% | $4,932-28.4% | $4,663-24.3% |
| Participant deferral / active EE | $18,272 | $8,419+117.0% | $8,065+126.6% | $6,689+173.1% |
| Admin fee / account holder | $7,761 | $15,035-48.4% | $12,993-40.3% | $13,390-42.0% |