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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 | $117,784 | $160,028-26.4% | $147,080-19.9% | $145,884-19.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 30.78% | 98.60%-67.8pp | 420.17%-389.4pp | 551.85%-521.1pp |
| Employer contribution / active EE | $3,587 | $5,286-32.1% | $4,933-27.3% | $4,662-23.1% |
| Participant deferral / active EE | $12,864 | $8,422+52.7% | $8,066+59.5% | $6,690+92.3% |
| Admin fee / account holder | $21,395 | $15,030+42.3% | $12,989+64.7% | $13,392+59.8% |