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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 | $147,380 | $209,422-29.6% | $178,503-17.4% | $158,982-7.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 16.21% | 188.81%-172.6pp | 151.12%-134.9pp | 302.99%-286.8pp |
| Employer contribution / active EE | $2,651 | $5,707-53.5% | $5,011-47.1% | $4,763-44.3% |
| Participant deferral / active EE | $8,028 | $5,955+34.8% | $5,202+54.3% | $5,983+34.2% |
| Admin fee / account holder | $5,123 | $17,079-70.0% | $13,987-63.4% | $11,252-54.5% |