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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 | $120,626 | $111,785+7.9% | $93,669+28.8% | $145,877-17.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 8.37% | 203.79%-195.4pp | 133.59%-125.2pp | 551.28%-542.9pp |
| Employer contribution / active EE | $1,615 | $3,096-47.8% | $2,424-33.4% | $4,663-65.4% |
| Participant deferral / active EE | $5,081 | $4,919+3.3% | $4,416+15.1% | $6,691-24.1% |
| Admin fee / account holder | $569 | $10,256-94.5% | $8,291-93.1% | $13,402-95.8% |