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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 | $79,916 | $96,388-17.1% | $80,627-0.9% | $139,466-42.7% |
| Participation rate | 71.4% | 73.6%-2.2pp | 67.0%+4.4pp | 80.3%-8.9pp |
| Annual return | 14.51% | 1352.08%-1337.6pp | 936.76%-922.2pp | 373.66%-359.1pp |
| Employer contribution / active EE | $4,138 | $3,260+26.9% | $2,723+52.0% | $4,754-13.0% |
| Participant deferral / active EE | $9,049 | $5,224+73.2% | $4,443+103.7% | $6,712+34.8% |
| Admin fee / account holder | $1,128 | $6,603-82.9% | $5,381-79.0% | $11,409-90.1% |