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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 | $138,742 | $81,668+69.9% | $58,507+137.1% | $139,487-0.5% |
| Participation rate | 75.0% | 61.3%+13.7pp | 50.9%+24.1pp | 80.3%-5.3pp |
| Annual return | 15.85% | 7430.07%-7414.2pp | 4252.32%-4236.5pp | 373.84%-358.0pp |
| Employer contribution / active EE | $2,293 | $1,398+64.0% | $1,053+117.7% | $4,755-51.8% |
| Participant deferral / active EE | $5,678 | $2,554+122.4% | $1,922+195.4% | $6,713-15.4% |
| Admin fee / account holder | $527 | $3,212-83.6% | $2,486-78.8% | $11,407-95.4% |