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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 | $125,940 | $144,124-12.6% | $117,857+6.9% | $147,585-14.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 8.66% | 531.17%-522.5pp | 335.09%-326.4pp | 578.57%-569.9pp |
| Employer contribution / active EE | $6,423 | $4,897+31.2% | $3,786+69.7% | $4,876+31.7% |
| Participant deferral / active EE | $3,269 | $5,316-38.5% | $4,482-27.1% | $5,439-39.9% |
| Admin fee / account holder | $4,410 | $10,886-59.5% | $8,020-45.0% | $10,885-59.5% |