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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 | $88,146 | $96,691-8.8% | $86,656+1.7% | $139,487-36.8% |
| Participation rate | 95.7% | 74.4%+21.2pp | 71.7%+23.9pp | 80.3%+15.3pp |
| Annual return | 13.36% | 106.87%-93.5pp | 593.09%-579.7pp | 373.84%-360.5pp |
| Employer contribution / active EE | $6,827 | $3,267+109.0% | $3,025+125.6% | $4,755+43.6% |
| Participant deferral / active EE | $2,853 | $4,838-41.0% | $4,439-35.7% | $6,713-57.5% |
| Admin fee / account holder | $2,617 | $6,414-59.2% | $5,619-53.4% | $11,407-77.1% |