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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 | $104,553 | $160,070-34.7% | $147,117-28.9% | $145,897-28.3% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 12.15% | 98.69%-86.5pp | 420.54%-408.4pp | 552.29%-540.1pp |
| Employer contribution / active EE | $7,181 | $5,285+35.9% | $4,932+45.6% | $4,663+54.0% |
| Participant deferral / active EE | $19,537 | $8,419+132.0% | $8,065+142.3% | $6,689+192.1% |
| Admin fee / account holder | $401 | $15,035-97.3% | $12,993-96.9% | $13,390-97.0% |