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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 | $137,806 | $112,933+22.0% | $90,970+51.5% | $158,982-13.3% |
| Participation rate | 100.0% | 74.7%+25.3pp | 69.0%+31.0pp | 82.0%+18.0pp |
| Annual return | 18.88% | 215.82%-196.9pp | 134.60%-115.7pp | 302.99%-284.1pp |
| Employer contribution / active EE | $1,225 | $2,893-57.6% | $2,122-42.2% | $4,763-74.3% |
| Participant deferral / active EE | $4,247 | $4,128+2.9% | $3,373+25.9% | $5,983-29.0% |
| Admin fee / account holder | $20,271 | $8,047+151.9% | $5,961+240.1% | $11,252+80.2% |