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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 | $245,926 | $133,981+83.6% | $112,249+119.1% | $134,532+82.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -8.23% | 47.16%-55.4pp | 27.48%-35.7pp | 418.27%-426.5pp |
| Employer contribution / active EE | $12,630 | $4,040+212.6% | $3,636+247.4% | $4,741+166.4% |
| Participant deferral / active EE | $7,917 | $5,292+49.6% | $4,729+67.4% | $6,401+23.7% |
| Admin fee / account holder | $2,062 | $7,492-72.5% | $6,412-67.8% | $11,429-82.0% |