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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 | $104,954 | $93,117+12.7% | $77,096+36.1% | $134,532-22.0% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -20.41% | 62.67%-83.1pp | 42.35%-62.8pp | 418.27%-438.7pp |
| Employer contribution / active EE | $23,109 | $3,420+575.6% | $2,814+721.1% | $4,741+387.4% |
| Participant deferral / active EE | $10,832 | $5,241+106.7% | $4,429+144.6% | $6,401+69.2% |
| Admin fee / account holder | $3,024 | $6,948-56.5% | $5,428-44.3% | $11,429-73.5% |