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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 | $145,695 | $129,476+12.5% | $93,515+55.8% | $158,982-8.4% |
| Participation rate | 88.9% | 71.0%+17.9pp | 66.8%+22.1pp | 82.0%+6.9pp |
| Annual return | 16.24% | 118.56%-102.3pp | 78.21%-62.0pp | 302.99%-286.7pp |
| Employer contribution / active EE | $10,534 | $2,717+287.7% | $2,077+407.1% | $4,763+121.2% |
| Participant deferral / active EE | $7,311 | $3,916+86.7% | $3,129+133.7% | $5,983+22.2% |
| Admin fee / account holder | $3,209 | $7,396-56.6% | $5,235-38.7% | $11,252-71.5% |