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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 | $160,040-18.3% | $147,096-11.1% | $145,877-10.4% |
| Participation rate | 95.5% | 84.0%+11.4pp | 82.2%+13.3pp | 80.3%+15.2pp |
| Annual return | 11.76% | 98.49%-86.7pp | 419.75%-408.0pp | 551.28%-539.5pp |
| Employer contribution / active EE | $10,355 | $5,289+95.8% | $4,936+109.8% | $4,663+122.1% |
| Participant deferral / active EE | $13,320 | $8,429+58.0% | $8,071+65.0% | $6,691+99.1% |
| Admin fee / account holder | $8,920 | $15,050-40.7% | $13,005-31.4% | $13,402-33.4% |