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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 | $146,362 | $102,393+42.9% | $147,041-0.5% | $80,911+80.9% |
| Participation rate | 80.8% | 75.9%+4.9pp | 82.2%-1.4pp | 67.6%+13.1pp |
| Annual return | 13.66% | 134.95%-121.3pp | 419.21%-405.5pp | 35.63%-22.0pp |
| Employer contribution / active EE | $4,064 | $3,715+9.4% | $4,935-17.6% | $2,756+47.5% |
| Participant deferral / active EE | $9,166 | $6,647+37.9% | $8,071+13.6% | $4,297+113.3% |
| Admin fee / account holder | $4,441 | $7,943-44.1% | $13,006-65.9% | $6,935-36.0% |