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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 | $147,301 | $157,296-6.4% | $141,191+4.3% | $152,897-3.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 24.31% | 64.34%-40.0pp | 71.41%-47.1pp | 345.43%-321.1pp |
| Employer contribution / active EE | $5,386 | $5,262+2.3% | $4,736+13.7% | $4,764+13.1% |
| Participant deferral / active EE | $17,450 | $7,111+145.4% | $6,710+160.1% | $5,851+198.2% |
| Admin fee / account holder | $5,056 | $12,125-58.3% | $10,264-50.7% | $11,599-56.4% |