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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 | $128,579 | $65,440+96.5% | $98,506+30.5% | $85,851+49.8% |
| Participation rate | 92.0% | 65.0%+27.0pp | 73.3%+18.7pp | 69.3%+22.7pp |
| Annual return | 16.43% | 21.75%-5.3pp | 1494.92%-1478.5pp | 318.63%-302.2pp |
| Employer contribution / active EE | $4,630 | $2,169+113.4% | $2,961+56.3% | $2,565+80.5% |
| Participant deferral / active EE | $3,914 | $3,168+23.5% | $4,277-8.5% | $3,952-1.0% |
| Admin fee / account holder | $12,403 | $4,596+169.9% | $5,955+108.3% | $6,261+98.1% |