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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 | $151,745 | $124,346+22.0% | $111,306+36.3% | $167,553-9.4% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 10.50% | 37.46%-27.0pp | 54.67%-44.2pp | 478.89%-468.4pp |
| Employer contribution / active EE | $7,455 | $3,438+116.9% | $2,732+172.9% | $4,840+54.0% |
| Participant deferral / active EE | $5,351 | $5,182+3.3% | $4,488+19.2% | $6,343-15.6% |
| Admin fee / account holder | $20,072 | $10,623+88.9% | $7,966+152.0% | $12,316+63.0% |