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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 | $95,192 | $88,815+7.2% | $81,882+16.3% | $145,897-34.8% |
| Participation rate | 71.4% | 75.1%-3.6pp | 72.4%-1.0pp | 80.3%-8.9pp |
| Annual return | 9.95% | 1033.75%-1023.8pp | 779.47%-769.5pp | 552.29%-542.3pp |
| Employer contribution / active EE | $3,825 | $3,086+23.9% | $2,916+31.2% | $4,663-18.0% |
| Participant deferral / active EE | $11,473 | $4,647+146.9% | $4,323+165.4% | $6,689+71.5% |
| Admin fee / account holder | $5,361 | $8,434-36.4% | $7,360-27.2% | $13,390-60.0% |