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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 | $143,595 | $180,749-20.6% | $160,784-10.7% | $137,256+4.6% |
| Participation rate | 90.9% | 80.0%+10.9pp | 77.0%+14.0pp | 80.0%+10.9pp |
| Annual return | 14.26% | 2234.46%-2220.2pp | 1803.92%-1789.7pp | 220.34%-206.1pp |
| Employer contribution / active EE | $2,661 | $4,155-36.0% | $3,733-28.7% | $4,156-36.0% |
| Participant deferral / active EE | $8,940 | $6,844+30.6% | $6,293+42.1% | $6,407+39.5% |
| Admin fee / account holder | $3,497 | $10,397-66.4% | $9,717-64.0% | $12,270-71.5% |