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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 | $107,939 | $149,040-27.6% | $120,225-10.2% | $137,256-21.4% |
| Participation rate | 85.7% | 75.4%+10.3pp | 69.6%+16.1pp | 80.0%+5.8pp |
| Annual return | 15.55% | 605.68%-590.1pp | 439.23%-423.7pp | 220.34%-204.8pp |
| Employer contribution / active EE | $1,714 | $4,350-60.6% | $3,475-50.7% | $4,156-58.7% |
| Participant deferral / active EE | $3,318 | $4,655-28.7% | $3,999-17.0% | $6,407-48.2% |
| Admin fee / account holder | $14,674 | $6,348+131.2% | $5,696+157.6% | $12,270+19.6% |