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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 | $23,585 | $99,079-76.2% | $78,002-69.8% | $273,972-91.4% |
| Participation rate | 88.9% | 78.6%+10.3pp | 75.5%+13.4pp | 83.0%+5.9pp |
| Annual return | 13.43% | 217.93%-204.5pp | 425.99%-412.6pp | 41.46%-28.0pp |
| Employer contribution / active EE | $3,905 | $3,308+18.1% | $2,470+58.1% | $4,869-19.8% |
| Participant deferral / active EE | $8,152 | $4,306+89.3% | $3,497+133.1% | $5,287+54.2% |
| Admin fee / account holder | $5,143 | $8,954-42.6% | $5,481-6.2% | $10,133-49.2% |