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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 | $104,426 | $106,008-1.5% | $92,240+13.2% | $147,586-29.2% |
| Participation rate | 81.8% | 80.4%+1.4pp | 76.5%+5.3pp | 82.8%-1.0pp |
| Annual return | 19.94% | 50.05%-30.1pp | 176.29%-156.3pp | 578.59%-558.6pp |
| Employer contribution / active EE | $1,974 | $4,333-54.4% | $3,680-46.4% | $4,876-59.5% |
| Participant deferral / active EE | $4,744 | $4,478+5.9% | $3,897+21.7% | $5,439-12.8% |
| Admin fee / account holder | $361 | $6,333-94.3% | $5,194-93.1% | $10,886-96.7% |