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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 | $133,685 | $136,179-1.8% | $98,755+35.4% | $167,518-20.2% |
| Participation rate | 100.0% | 70.2%+29.8pp | 65.7%+34.3pp | 82.1%+17.9pp |
| Annual return | 18.01% | 67.53%-49.5pp | 49.91%-31.9pp | 478.71%-460.7pp |
| Employer contribution / active EE | $14,628 | $2,631+455.9% | $2,067+607.5% | $4,838+202.3% |
| Participant deferral / active EE | $10,010 | $3,716+169.4% | $3,035+229.8% | $6,342+57.8% |
| Admin fee / account holder | $368 | $5,031-92.7% | $4,076-91.0% | $12,312-97.0% |