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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 | $99,530 | $88,754+12.1% | $81,820+21.6% | $145,877-31.8% |
| Participation rate | 85.7% | 75.1%+10.6pp | 72.4%+13.3pp | 80.3%+5.4pp |
| Annual return | 10.75% | 1031.77%-1021.0pp | 777.93%-767.2pp | 551.28%-540.5pp |
| Employer contribution / active EE | $3,257 | $3,085+5.6% | $2,915+11.7% | $4,663-30.1% |
| Participant deferral / active EE | $3,099 | $4,648-33.3% | $4,323-28.3% | $6,691-53.7% |
| Admin fee / account holder | $486 | $8,424-94.2% | $7,391-93.4% | $13,402-96.4% |