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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 | $84,996 | $176,688-51.9% | $130,660-34.9% | $152,909-44.4% |
| Participation rate | 75.0% | 79.0%-4.0pp | 71.7%+3.3pp | 82.5%-7.5pp |
| Annual return | 21.93% | 2693.08%-2671.2pp | 1709.29%-1687.4pp | 345.46%-323.5pp |
| Employer contribution / active EE | $3,820 | $5,743-33.5% | $4,092-6.7% | $4,764-19.8% |
| Participant deferral / active EE | $8,321 | $4,362+90.8% | $3,603+130.9% | $5,851+42.2% |
| Admin fee / account holder | $5,619 | $7,131-21.2% | $5,463+2.8% | $11,601-51.6% |