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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 | $88,595 | $106,918-17.1% | $84,021+5.4% | $152,897-42.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 21.54% | 105.01%-83.5pp | 71.32%-49.8pp | 345.43%-323.9pp |
| Employer contribution / active EE | $10,310 | $2,735+276.9% | $1,984+419.7% | $4,764+116.4% |
| Participant deferral / active EE | $9,335 | $4,012+132.7% | $3,239+188.2% | $5,851+59.5% |
| Admin fee / account holder | $480 | $8,288-94.2% | $6,102-92.1% | $11,599-95.9% |