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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 | $55,757 | $160,028-65.2% | $147,080-62.1% | $145,884-61.8% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+11.9pp | 80.3%+13.8pp |
| Annual return | 19.32% | 98.60%-79.3pp | 420.17%-400.8pp | 551.85%-532.5pp |
| Employer contribution / active EE | $8,334 | $5,286+57.7% | $4,933+68.9% | $4,662+78.8% |
| Participant deferral / active EE | $16,625 | $8,422+97.4% | $8,066+106.1% | $6,690+148.5% |
| Admin fee / account holder | $10,472 | $15,030-30.3% | $12,989-19.4% | $13,392-21.8% |