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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 | $60,978 | $72,465-15.9% | $67,575-9.8% | $145,884-58.2% |
| Participation rate | 77.8% | 76.9%+0.9pp | 72.9%+4.9pp | 80.3%-2.5pp |
| Annual return | 14.83% | 7222.56%-7207.7pp | 3528.98%-3514.2pp | 551.85%-537.0pp |
| Employer contribution / active EE | $3,759 | $3,074+22.3% | $2,736+37.4% | $4,662-19.4% |
| Participant deferral / active EE | $9,505 | $4,786+98.6% | $4,003+137.4% | $6,690+42.1% |
| Admin fee / account holder | $3,967 | $5,515-28.1% | $3,993-0.6% | $13,392-70.4% |