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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 | $162,287 | $114,093+42.2% | $96,171+68.7% | $167,536-3.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 68.4%+31.6pp | 82.1%+17.9pp |
| Annual return | 15.84% | 190.00%-174.2pp | 192.04%-176.2pp | 478.82%-463.0pp |
| Employer contribution / active EE | $5,168 | $3,429+50.7% | $2,799+84.6% | $4,839+6.8% |
| Participant deferral / active EE | $7,733 | $5,197+48.8% | $4,350+77.8% | $6,342+21.9% |
| Admin fee / account holder | $2,254 | $6,899-67.3% | $5,538-59.3% | $12,315-81.7% |