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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 | $220,761 | $106,008+108.2% | $92,240+139.3% | $147,586+49.6% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 11.57% | 50.05%-38.5pp | 176.29%-164.7pp | 578.59%-567.0pp |
| Employer contribution / active EE | $3,778 | $4,333-12.8% | $3,680+2.7% | $4,876-22.5% |
| Participant deferral / active EE | $7,172 | $4,478+60.1% | $3,897+84.0% | $5,439+31.9% |
| Admin fee / account holder | $1,906 | $6,333-69.9% | $5,194-63.3% | $10,886-82.5% |