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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 | $101,088 | $106,008-4.6% | $92,240+9.6% | $147,586-31.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 14.52% | 50.05%-35.5pp | 176.29%-161.8pp | 578.59%-564.1pp |
| Employer contribution / active EE | $6,174 | $4,333+42.5% | $3,680+67.8% | $4,876+26.6% |
| Participant deferral / active EE | $3,949 | $4,478-11.8% | $3,897+1.3% | $5,439-27.4% |
| Admin fee / account holder | $2,318 | $6,333-63.4% | $5,194-55.4% | $10,886-78.7% |