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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 | $148,593 | $217,432-31.7% | $185,849-20.0% | $167,536-11.3% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.77% | 148.42%-133.7pp | 122.10%-107.3pp | 478.82%-464.1pp |
| Employer contribution / active EE | $8,310 | $5,875+41.5% | $5,169+60.8% | $4,839+71.7% |
| Participant deferral / active EE | $5,778 | $6,357-9.1% | $5,569+3.8% | $6,342-8.9% |
| Admin fee / account holder | $1,476 | $19,818-92.5% | $16,244-90.9% | $12,315-88.0% |