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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 | $88,754+7.3% | $81,820+16.3% | $145,877-34.7% |
| Participation rate | 71.4% | 75.1%-3.6pp | 72.4%-1.0pp | 80.3%-8.9pp |
| Annual return | 9.95% | 1031.77%-1021.8pp | 777.93%-768.0pp | 551.28%-541.3pp |
| Employer contribution / active EE | $3,825 | $3,085+24.0% | $2,915+31.2% | $4,663-18.0% |
| Participant deferral / active EE | $11,473 | $4,648+146.9% | $4,323+165.4% | $6,691+71.5% |
| Admin fee / account holder | $5,361 | $8,424-36.4% | $7,391-27.5% | $13,402-60.0% |