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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 | $168,924 | $175,259-3.6% | $149,723+12.8% | $139,487+21.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 26.45% | 166.82%-140.4pp | 134.50%-108.0pp | 373.84%-347.4pp |
| Employer contribution / active EE | $4,639 | $5,478-15.3% | $4,821-3.8% | $4,755-2.4% |
| Participant deferral / active EE | $6,292 | $6,522-3.5% | $5,682+10.7% | $6,713-6.3% |
| Admin fee / account holder | $2,517 | $16,158-84.4% | $13,215-81.0% | $11,407-77.9% |