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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 | $117,126 | $114,093+2.7% | $96,171+21.8% | $167,536-30.1% |
| Participation rate | 92.9% | 75.1%+17.8pp | 68.4%+24.4pp | 82.1%+10.7pp |
| Annual return | 14.90% | 190.00%-175.1pp | 192.04%-177.1pp | 478.82%-463.9pp |
| Employer contribution / active EE | $4,681 | $3,429+36.5% | $2,799+67.2% | $4,839-3.3% |
| Participant deferral / active EE | $8,118 | $5,197+56.2% | $4,350+86.6% | $6,342+28.0% |
| Admin fee / account holder | $4,339 | $6,899-37.1% | $5,538-21.7% | $12,315-64.8% |