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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 | $112,889 | $123,750-8.8% | $69,611+62.2% | $145,877-22.6% |
| Participation rate | 75.0% | 69.2%+5.8pp | 66.4%+8.6pp | 80.3%-5.3pp |
| Annual return | 10.50% | 192.03%-181.5pp | 101.14%-90.6pp | 551.28%-540.8pp |
| Employer contribution / active EE | $3,750 | $2,672+40.4% | $1,709+119.5% | $4,663-19.6% |
| Participant deferral / active EE | $1,776 | $4,243-58.1% | $2,891-38.6% | $6,691-73.5% |
| Admin fee / account holder | $13,620 | $7,817+74.2% | $4,696+190.1% | $13,402+1.6% |