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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 | $221,828 | $226,135-1.9% | $182,558+21.5% | $152,909+45.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 21.44% | 192.60%-171.2pp | 148.59%-127.1pp | 345.46%-324.0pp |
| Employer contribution / active EE | $23,000 | $4,979+361.9% | $4,076+464.3% | $4,764+382.8% |
| Participant deferral / active EE | $4,002 | $6,371-37.2% | $5,526-27.6% | $5,851-31.6% |
| Admin fee / account holder | $1,762 | $10,707-83.5% | $8,594-79.5% | $11,601-84.8% |