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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 | $135,036 | $75,832+78.1% | $147,618-8.5% | $59,633+126.4% |
| Participation rate | 94.9% | 71.6%+23.3pp | 84.6%+10.3pp | 68.7%+26.2pp |
| Annual return | -0.67% | 0.37%-1.0pp | 61.98%-62.7pp | 2041.40%-2042.1pp |
| Employer contribution / active EE | $6,111 | $3,485+75.4% | $5,565+9.8% | $2,203+177.4% |
| Participant deferral / active EE | $3,889 | $3,131+24.2% | $4,895-20.6% | $3,192+21.9% |
| Admin fee / account holder | $16,935 | $5,986+182.9% | $11,612+45.8% | $4,297+294.1% |