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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 | $86,891 | $102,422-15.2% | $147,117-40.9% | $80,959+7.3% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 22.35% | 135.16%-112.8pp | 420.54%-398.2pp | 35.67%-13.3pp |
| Employer contribution / active EE | $4,971 | $3,717+33.7% | $4,932+0.8% | $2,757+80.3% |
| Participant deferral / active EE | $10,608 | $6,652+59.5% | $8,065+31.5% | $4,300+146.7% |
| Admin fee / account holder | $12,375 | $7,953+55.6% | $12,993-4.8% | $6,925+78.7% |