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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 | $116,028 | $99,652+16.4% | $78,778+47.3% | $147,586-21.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 8.22% | 47.28%-39.1pp | 35.62%-27.4pp | 578.59%-570.4pp |
| Employer contribution / active EE | $5,000 | $2,796+78.9% | $1,986+151.8% | $4,876+2.5% |
| Participant deferral / active EE | $4,669 | $3,664+27.4% | $2,958+57.8% | $5,439-14.1% |
| Admin fee / account holder | $2,066 | $7,155-71.1% | $5,134-59.8% | $10,886-81.0% |