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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 | $176,945 | $135,645+30.4% | $110,243+60.5% | $135,380+30.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | 4.53% | 513.24%-508.7pp | 314.76%-310.2pp | 519.81%-515.3pp |
| Employer contribution / active EE | $1,442 | $4,907-70.6% | $3,827-62.3% | $4,779-69.8% |
| Participant deferral / active EE | $15,576 | $5,507+182.8% | $4,672+233.4% | $5,609+177.7% |
| Admin fee / account holder | $2,433 | $11,458-78.8% | $8,548-71.5% | $10,828-77.5% |