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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 | $85,410 | $96,678-11.7% | $86,640-1.4% | $139,466-38.8% |
| Participation rate | 91.7% | 74.4%+17.3pp | 71.7%+20.0pp | 80.3%+11.3pp |
| Annual return | 24.48% | 106.69%-82.2pp | 592.52%-568.0pp | 373.66%-349.2pp |
| Employer contribution / active EE | $4,621 | $3,265+41.5% | $3,024+52.8% | $4,754-2.8% |
| Participant deferral / active EE | $12,566 | $4,837+159.8% | $4,438+183.1% | $6,712+87.2% |
| Admin fee / account holder | $680 | $6,410-89.4% | $5,616-87.9% | $11,409-94.0% |