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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 | $168,380 | $90,691+85.7% | $76,119+121.2% | $145,884+15.4% |
| Participation rate | 88.9% | 74.5%+14.4pp | 69.1%+19.8pp | 80.3%+8.6pp |
| Annual return | 9.33% | 624.52%-615.2pp | 361.25%-351.9pp | 551.85%-542.5pp |
| Employer contribution / active EE | $1,907 | $3,329-42.7% | $2,693-29.2% | $4,662-59.1% |
| Participant deferral / active EE | $3,040 | $5,167-41.2% | $4,259-28.6% | $6,690-54.6% |
| Admin fee / account holder | $619 | $8,383-92.6% | $6,421-90.4% | $13,392-95.4% |