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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 | $104,031 | $175,231-40.6% | $149,696-30.5% | $139,466-25.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 21.61% | 166.77%-145.2pp | 134.46%-112.8pp | 373.66%-352.1pp |
| Employer contribution / active EE | $9,947 | $5,478+81.6% | $4,821+106.3% | $4,754+109.2% |
| Participant deferral / active EE | $5,414 | $6,521-17.0% | $5,682-4.7% | $6,712-19.3% |
| Admin fee / account holder | $4,096 | $16,155-74.6% | $13,212-69.0% | $11,409-64.1% |