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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 | $125,732 | $57,305+119.4% | $86,640+45.1% | $75,173+67.3% |
| Participation rate | 88.0% | 63.2%+24.8pp | 71.7%+16.3pp | 67.2%+20.8pp |
| Annual return | 17.51% | 2674.24%-2656.7pp | 592.52%-575.0pp | 160.72%-143.2pp |
| Employer contribution / active EE | $1,948 | $2,316-15.9% | $3,024-35.6% | $2,671-27.1% |
| Participant deferral / active EE | $6,282 | $3,320+89.2% | $4,438+41.5% | $4,126+52.2% |
| Admin fee / account holder | $5,870 | $4,116+42.6% | $5,616+4.5% | $5,651+3.9% |