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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 | $128,597 | $100,203+28.3% | $85,240+50.9% | $145,897-11.9% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 9.49% | 84.28%-74.8pp | 66.75%-57.3pp | 552.29%-542.8pp |
| Employer contribution / active EE | $6,453 | $3,242+99.1% | $2,735+135.9% | $4,663+38.4% |
| Participant deferral / active EE | $5,488 | $5,299+3.6% | $4,527+21.2% | $6,689-18.0% |
| Admin fee / account holder | $10,585 | $7,265+45.7% | $6,165+71.7% | $13,390-20.9% |