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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 | $68,540 | $72,071-4.9% | $68,368+0.3% | $137,256-50.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 20.82% | 353.14%-332.3pp | 292.57%-271.8pp | 220.34%-199.5pp |
| Employer contribution / active EE | $3,433 | $2,788+23.1% | $2,649+29.6% | $4,156-17.4% |
| Participant deferral / active EE | $9,124 | $4,410+106.9% | $4,123+121.3% | $6,407+42.4% |
| Admin fee / account holder | $914 | $5,336-82.9% | $5,150-82.3% | $12,270-92.6% |