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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 | $172,435 | $196,972-12.5% | $182,262-5.4% | $198,609-13.2% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 10.70% | 158.27%-147.6pp | 140.60%-129.9pp | 202.70%-192.0pp |
| Employer contribution / active EE | $3,136 | $5,364-41.5% | $5,046-37.8% | $5,055-38.0% |
| Participant deferral / active EE | $11,683 | $8,643+35.2% | $8,276+41.2% | $6,977+67.5% |
| Admin fee / account holder | $16,094 | $18,429-12.7% | $16,712-3.7% | $19,030-15.4% |