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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 | $45,970 | $114,130-59.7% | $96,192-52.2% | $167,553-72.6% |
| Participation rate | 90.0% | 75.1%+14.9pp | 68.4%+21.6pp | 82.1%+7.9pp |
| Annual return | 11.77% | 190.07%-178.3pp | 192.09%-180.3pp | 478.89%-467.1pp |
| Employer contribution / active EE | $2,792 | $3,431-18.6% | $2,799-0.3% | $4,840-42.3% |
| Participant deferral / active EE | $6,538 | $5,198+25.8% | $4,351+50.3% | $6,343+3.1% |
| Admin fee / account holder | $9,054 | $6,901+31.2% | $5,539+63.5% | $12,316-26.5% |