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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 | $199,271 | $110,093+81.0% | $97,295+104.8% | $145,897+36.6% |
| Participation rate | 84.6% | 75.9%+8.7pp | 72.7%+12.0pp | 80.3%+4.3pp |
| Annual return | 13.57% | 244.76%-231.2pp | 75.62%-62.1pp | 552.29%-538.7pp |
| Employer contribution / active EE | $9,425 | $3,077+206.3% | $2,723+246.1% | $4,663+102.1% |
| Participant deferral / active EE | $8,994 | $4,678+92.3% | $4,264+111.0% | $6,689+34.5% |
| Admin fee / account holder | $3,718 | $6,212-40.1% | $5,646-34.1% | $13,390-72.2% |