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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 | $170,435 | $149,040+14.4% | $120,225+41.8% | $137,256+24.2% |
| Participation rate | 100.0% | 75.4%+24.6pp | 69.6%+30.4pp | 80.0%+20.0pp |
| Annual return | 17.37% | 605.68%-588.3pp | 439.23%-421.9pp | 220.34%-203.0pp |
| Employer contribution / active EE | $4,240 | $4,350-2.5% | $3,475+22.0% | $4,156+2.0% |
| Participant deferral / active EE | $11,978 | $4,655+157.3% | $3,999+199.5% | $6,407+87.0% |
| Admin fee / account holder | $7,154 | $6,348+12.7% | $5,696+25.6% | $12,270-41.7% |