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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 | $88,130 | $109,863-19.8% | $98,477-10.5% | $167,518-47.4% |
| Participation rate | 95.0% | 75.8%+19.2pp | 73.3%+21.7pp | 82.1%+12.9pp |
| Annual return | 17.55% | 1958.09%-1940.5pp | 1493.59%-1476.0pp | 478.71%-461.2pp |
| Employer contribution / active EE | $4,434 | $3,225+37.5% | $2,961+49.8% | $4,838-8.4% |
| Participant deferral / active EE | $10,158 | $4,673+117.4% | $4,276+137.5% | $6,342+60.2% |
| Admin fee / account holder | $2,402 | $6,755-64.4% | $5,951-59.6% | $12,312-80.5% |