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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 | $241,047 | $217,432+10.9% | $185,849+29.7% | $167,536+43.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.57% | 148.42%-136.8pp | 122.10%-110.5pp | 478.82%-467.2pp |
| Employer contribution / active EE | $3,115 | $5,875-47.0% | $5,169-39.7% | $4,839-35.6% |
| Participant deferral / active EE | $6,311 | $6,357-0.7% | $5,569+13.3% | $6,342-0.5% |
| Admin fee / account holder | $11,590 | $19,818-41.5% | $16,244-28.7% | $12,315-5.9% |