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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 | $97,903 | $100,203-2.3% | $85,240+14.9% | $145,897-32.9% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 9.24% | 84.28%-75.0pp | 66.75%-57.5pp | 552.29%-543.0pp |
| Employer contribution / active EE | $4,355 | $3,242+34.3% | $2,735+59.2% | $4,663-6.6% |
| Participant deferral / active EE | $12,173 | $5,299+129.7% | $4,527+168.9% | $6,689+82.0% |
| Admin fee / account holder | $1,041 | $7,265-85.7% | $6,165-83.1% | $13,390-92.2% |