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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 | $71,063 | $126,113-43.7% | $116,096-38.8% | $155,188-54.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 21.62% | 391.72%-370.1pp | 326.25%-304.6pp | 148.84%-127.2pp |
| Employer contribution / active EE | $11,024 | $2,672+312.6% | $2,503+340.3% | $4,248+159.5% |
| Participant deferral / active EE | $13,024 | $4,162+212.9% | $3,952+229.6% | $6,531+99.4% |
| Admin fee / account holder | $845 | $8,045-89.5% | $7,704-89.0% | $14,480-94.2% |