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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 | $84,734 | $102,635-17.4% | $86,209-1.7% | $139,456-39.2% |
| Participation rate | 72.7% | 74.5%-1.8pp | 69.0%+3.8pp | 80.3%-7.6pp |
| Annual return | 14.67% | 1923.53%-1908.9pp | 1169.05%-1154.4pp | 373.45%-358.8pp |
| Employer contribution / active EE | $2,253 | $3,034-25.8% | $2,381-5.4% | $4,753-52.6% |
| Participant deferral / active EE | $5,626 | $4,677+20.3% | $3,986+41.1% | $6,711-16.2% |
| Admin fee / account holder | $849 | $8,661-90.2% | $6,853-87.6% | $11,407-92.6% |