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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 | $143,301 | $160,070-10.5% | $147,117-2.6% | $145,897-1.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 17.97% | 98.69%-80.7pp | 420.54%-402.6pp | 552.29%-534.3pp |
| Employer contribution / active EE | $3,600 | $5,285-31.9% | $4,932-27.0% | $4,663-22.8% |
| Participant deferral / active EE | $11,428 | $8,419+35.7% | $8,065+41.7% | $6,689+70.8% |
| Admin fee / account holder | $2,414 | $15,035-83.9% | $12,993-81.4% | $13,390-82.0% |