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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 | $108,106 | $96,643+11.9% | $86,617+24.8% | $139,456-22.5% |
| Participation rate | 80.0% | 74.4%+5.6pp | 71.7%+8.3pp | 80.3%-0.3pp |
| Annual return | 13.96% | 106.57%-92.6pp | 591.91%-577.9pp | 373.45%-359.5pp |
| Employer contribution / active EE | $5,625 | $3,264+72.3% | $3,023+86.0% | $4,753+18.4% |
| Participant deferral / active EE | $7,278 | $4,835+50.5% | $4,437+64.0% | $6,711+8.4% |
| Admin fee / account holder | $1,190 | $6,406-81.4% | $5,613-78.8% | $11,407-89.6% |