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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 | $115,189 | $105,200+9.5% | $159,474-27.8% | $85,847+34.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 14.47% | 45.08%-30.6pp | 263.68%-249.2pp | 318.61%-304.1pp |
| Employer contribution / active EE | $9,719 | $3,319+192.8% | $4,831+101.2% | $2,565+278.8% |
| Participant deferral / active EE | $14,883 | $5,946+150.3% | $7,353+102.4% | $3,952+276.6% |
| Admin fee / account holder | $6,964 | $6,934+0.4% | $10,802-35.5% | $6,261+11.2% |