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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 | $58,576 | $160,040-63.4% | $147,096-60.2% | $145,877-59.8% |
| Participation rate | 94.7% | 84.0%+10.7pp | 82.2%+12.6pp | 80.3%+14.4pp |
| Annual return | 74.34% | 98.49%-24.2pp | 419.75%-345.4pp | 551.28%-476.9pp |
| Employer contribution / active EE | $6,868 | $5,289+29.8% | $4,936+39.1% | $4,663+47.3% |
| Participant deferral / active EE | $12,177 | $8,429+44.5% | $8,071+50.9% | $6,691+82.0% |
| Admin fee / account holder | $8,132 | $15,050-46.0% | $13,005-37.5% | $13,402-39.3% |