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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 | $147,819 | $129,737+13.9% | $119,126+24.1% | $154,746-4.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 18.69% | 379.08%-360.4pp | 282.11%-263.4pp | 172.34%-153.6pp |
| Employer contribution / active EE | $3,042 | $4,375-30.5% | $4,034-24.6% | $4,379-30.5% |
| Participant deferral / active EE | $6,595 | $5,842+12.9% | $5,318+24.0% | $6,730-2.0% |
| Admin fee / account holder | $4,313 | $11,961-63.9% | $10,693-59.7% | $14,365-70.0% |