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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 | $120,490 | $106,008+13.7% | $92,240+30.6% | $147,586-18.4% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 13.92% | 50.05%-36.1pp | 176.29%-162.4pp | 578.59%-564.7pp |
| Employer contribution / active EE | $7,479 | $4,333+72.6% | $3,680+103.3% | $4,876+53.4% |
| Participant deferral / active EE | $4,820 | $4,478+7.6% | $3,897+23.7% | $5,439-11.4% |
| Admin fee / account holder | $7,086 | $6,333+11.9% | $5,194+36.4% | $10,886-34.9% |