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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 | $103,868 | $160,070-35.1% | $147,117-29.4% | $145,897-28.8% |
| Participation rate | 86.7% | 84.0%+2.6pp | 82.2%+4.5pp | 80.3%+6.4pp |
| Annual return | 15.34% | 98.69%-83.3pp | 420.54%-405.2pp | 552.29%-537.0pp |
| Employer contribution / active EE | $7,674 | $5,285+45.2% | $4,932+55.6% | $4,663+64.6% |
| Participant deferral / active EE | $27,264 | $8,419+223.8% | $8,065+238.1% | $6,689+307.6% |
| Admin fee / account holder | $8,331 | $15,035-44.6% | $12,993-35.9% | $13,390-37.8% |