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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 | $122,343 | $160,028-23.5% | $147,080-16.8% | $145,884-16.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 15.84% | 98.60%-82.8pp | 420.17%-404.3pp | 551.85%-536.0pp |
| Employer contribution / active EE | $6,901 | $5,286+30.6% | $4,933+39.9% | $4,662+48.0% |
| Participant deferral / active EE | $17,477 | $8,422+107.5% | $8,066+116.7% | $6,690+161.3% |
| Admin fee / account holder | $908 | $15,030-94.0% | $12,989-93.0% | $13,392-93.2% |