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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 | $170,489 | $90,691+88.0% | $76,119+124.0% | $145,884+16.9% |
| Participation rate | 85.7% | 74.5%+11.2pp | 69.1%+16.6pp | 80.3%+5.4pp |
| Annual return | 12.81% | 624.52%-611.7pp | 361.25%-348.4pp | 551.85%-539.0pp |
| Employer contribution / active EE | $2,688 | $3,329-19.3% | $2,693-0.2% | $4,662-42.3% |
| Participant deferral / active EE | $8,423 | $5,167+63.0% | $4,259+97.8% | $6,690+25.9% |
| Admin fee / account holder | $16,822 | $8,383+100.7% | $6,421+162.0% | $13,392+25.6% |