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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 | $130,704 | $144,130-9.3% | $117,861+10.9% | $147,586-11.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 17.70% | 531.20%-513.5pp | 335.11%-317.4pp | 578.59%-560.9pp |
| Employer contribution / active EE | $7,966 | $4,897+62.7% | $3,786+110.4% | $4,876+63.3% |
| Participant deferral / active EE | $3,973 | $5,316-25.3% | $4,482-11.3% | $5,439-26.9% |
| Admin fee / account holder | $4,399 | $10,887-59.6% | $8,021-45.2% | $10,886-59.6% |