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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 | $67,084 | $102,696-34.7% | $86,235-22.2% | $139,487-51.9% |
| Participation rate | 91.3% | 74.5%+16.8pp | 69.0%+22.3pp | 80.3%+11.0pp |
| Annual return | 18.20% | 1925.91%-1907.7pp | 1170.03%-1151.8pp | 373.84%-355.6pp |
| Employer contribution / active EE | $5,845 | $3,034+92.6% | $2,381+145.5% | $4,755+22.9% |
| Participant deferral / active EE | $13,065 | $4,679+179.2% | $3,987+227.7% | $6,713+94.6% |
| Admin fee / account holder | $7,432 | $8,667-14.3% | $6,856+8.4% | $11,407-34.9% |