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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 | $204,326 | $176,105+16.0% | $159,474+28.1% | $167,536+22.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.05% | 331.91%-319.9pp | 263.68%-251.6pp | 478.82%-466.8pp |
| Employer contribution / active EE | $2,078 | $5,299-60.8% | $4,831-57.0% | $4,839-57.1% |
| Participant deferral / active EE | $5,182 | $7,751-33.2% | $7,353-29.5% | $6,342-18.3% |
| Admin fee / account holder | $24,241 | $12,559+93.0% | $10,802+124.4% | $12,315+96.9% |