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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 | $141,977 | $107,363+32.2% | $92,909+52.8% | $152,897-7.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.5%+17.5pp |
| Annual return | 20.98% | 145.63%-124.6pp | 109.44%-88.5pp | 345.43%-324.5pp |
| Employer contribution / active EE | $1,981 | $4,222-53.1% | $3,653-45.8% | $4,764-58.4% |
| Participant deferral / active EE | $4,240 | $4,848-12.5% | $4,238+0.1% | $5,851-27.5% |
| Admin fee / account holder | $11,823 | $7,082+67.0% | $5,795+104.0% | $11,599+1.9% |