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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 | $122,868 | $106,003+15.9% | $92,236+33.2% | $147,585-16.7% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 13.83% | 50.05%-36.2pp | 176.29%-162.5pp | 578.57%-564.7pp |
| Employer contribution / active EE | $2,494 | $4,333-42.5% | $3,679-32.2% | $4,876-48.9% |
| Participant deferral / active EE | $8,000 | $4,478+78.6% | $3,897+105.3% | $5,439+47.1% |
| Admin fee / account holder | $504 | $6,333-92.0% | $5,194-90.3% | $10,885-95.4% |