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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 | $91,147 | $107,363-15.1% | $92,909-1.9% | $152,897-40.4% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 13.58% | 145.63%-132.0pp | 109.44%-95.9pp | 345.43%-331.8pp |
| Employer contribution / active EE | $8,454 | $4,222+100.2% | $3,653+131.4% | $4,764+77.5% |
| Participant deferral / active EE | $4,510 | $4,848-7.0% | $4,238+6.4% | $5,851-22.9% |
| Admin fee / account holder | $3,049 | $7,082-56.9% | $5,795-47.4% | $11,599-73.7% |