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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 | $93,015 | $96,678-3.8% | $86,640+7.4% | $139,466-33.3% |
| Participation rate | 88.9% | 74.4%+14.5pp | 71.7%+17.2pp | 80.3%+8.6pp |
| Annual return | 14.06% | 106.69%-92.6pp | 592.52%-578.5pp | 373.66%-359.6pp |
| Employer contribution / active EE | $2,032 | $3,265-37.8% | $3,024-32.8% | $4,754-57.3% |
| Participant deferral / active EE | $5,357 | $4,837+10.8% | $4,438+20.7% | $6,712-20.2% |
| Admin fee / account holder | $5,798 | $6,410-9.5% | $5,616+3.3% | $11,409-49.2% |