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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 | $68,049 | $76,519-11.1% | $56,025+21.5% | $145,897-53.4% |
| Participation rate | 73.7% | 63.2%+10.5pp | 52.5%+21.2pp | 80.3%-6.6pp |
| Annual return | 12.25% | 3017.03%-3004.8pp | 1712.69%-1700.4pp | 552.29%-540.0pp |
| Employer contribution / active EE | $2,083 | $1,383+50.6% | $1,042+100.0% | $4,663-55.3% |
| Participant deferral / active EE | $4,522 | $2,624+72.3% | $1,955+131.3% | $6,689-32.4% |
| Admin fee / account holder | $311 | $3,331-90.7% | $2,828-89.0% | $13,390-97.7% |