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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 | $90,244 | $96,388-6.4% | $80,627+11.9% | $139,466-35.3% |
| Participation rate | 92.3% | 73.6%+18.7pp | 67.0%+25.3pp | 80.3%+12.0pp |
| Annual return | 15.38% | 1352.08%-1336.7pp | 936.76%-921.4pp | 373.66%-358.3pp |
| Employer contribution / active EE | $1,855 | $3,260-43.1% | $2,723-31.9% | $4,754-61.0% |
| Participant deferral / active EE | $5,021 | $5,224-3.9% | $4,443+13.0% | $6,712-25.2% |
| Admin fee / account holder | $4,037 | $6,603-38.9% | $5,381-25.0% | $11,409-64.6% |