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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 | $29,687 | $100,938-70.6% | $90,461-67.2% | $158,982-81.3% |
| Participation rate | 81.8% | 75.0%+6.8pp | 72.7%+9.1pp | 82.0%-0.1pp |
| Annual return | 26.30% | 1727.20%-1700.9pp | 1294.76%-1268.5pp | 302.99%-276.7pp |
| Employer contribution / active EE | $1,976 | $3,691-46.5% | $3,264-39.4% | $4,763-58.5% |
| Participant deferral / active EE | $7,297 | $4,350+67.8% | $3,964+84.1% | $5,983+22.0% |
| Admin fee / account holder | $10,545 | $6,510+62.0% | $5,617+87.7% | $11,252-6.3% |