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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 | $160,623 | $226,135-29.0% | $182,558-12.0% | $152,909+5.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 20.07% | 192.60%-172.5pp | 148.59%-128.5pp | 345.46%-325.4pp |
| Employer contribution / active EE | $3,163 | $4,979-36.5% | $4,076-22.4% | $4,764-33.6% |
| Participant deferral / active EE | $7,510 | $6,371+17.9% | $5,526+35.9% | $5,851+28.3% |
| Admin fee / account holder | $509 | $10,707-95.2% | $8,594-94.1% | $11,601-95.6% |