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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 | $161,895 | $198,457-18.4% | $170,435-5.0% | $147,586+9.7% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 20.39% | 257.30%-236.9pp | 205.94%-185.6pp | 578.59%-558.2pp |
| Employer contribution / active EE | $5,038 | $6,183-18.5% | $5,432-7.3% | $4,876+3.3% |
| Participant deferral / active EE | $7,061 | $5,629+25.4% | $4,939+42.9% | $5,439+29.8% |
| Admin fee / account holder | $8,937 | $16,852-47.0% | $13,881-35.6% | $10,886-17.9% |