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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 | $132,655 | $102,393+29.6% | $147,041-9.8% | $80,911+64.0% |
| Participation rate | 89.3% | 75.9%+13.4pp | 82.2%+7.1pp | 67.6%+21.6pp |
| Annual return | 24.19% | 134.95%-110.8pp | 419.21%-395.0pp | 35.63%-11.4pp |
| Employer contribution / active EE | $4,850 | $3,715+30.5% | $4,935-1.7% | $2,756+76.0% |
| Participant deferral / active EE | $11,139 | $6,647+67.6% | $8,071+38.0% | $4,297+159.2% |
| Admin fee / account holder | $3,905 | $7,943-50.8% | $13,006-70.0% | $6,935-43.7% |