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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 | $80,167 | $106,008-24.4% | $92,240-13.1% | $147,586-45.7% |
| Participation rate | 81.8% | 80.4%+1.4pp | 76.5%+5.3pp | 82.8%-1.0pp |
| Annual return | 14.56% | 50.05%-35.5pp | 176.29%-161.7pp | 578.59%-564.0pp |
| Employer contribution / active EE | $7,335 | $4,333+69.3% | $3,680+99.3% | $4,876+50.4% |
| Participant deferral / active EE | $5,408 | $4,478+20.8% | $3,897+38.8% | $5,439-0.6% |
| Admin fee / account holder | $682 | $6,333-89.2% | $5,194-86.9% | $10,886-93.7% |