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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 | $130,769 | $160,070-18.3% | $147,117-11.1% | $145,897-10.4% |
| Participation rate | 95.5% | 84.0%+11.4pp | 82.2%+13.3pp | 80.3%+15.1pp |
| Annual return | 11.76% | 98.69%-86.9pp | 420.54%-408.8pp | 552.29%-540.5pp |
| Employer contribution / active EE | $10,355 | $5,285+95.9% | $4,932+109.9% | $4,663+122.1% |
| Participant deferral / active EE | $13,320 | $8,419+58.2% | $8,065+65.2% | $6,689+99.1% |
| Admin fee / account holder | $8,920 | $15,035-40.7% | $12,993-31.3% | $13,390-33.4% |