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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 | $146,071 | $175,259-16.7% | $149,723-2.4% | $139,487+4.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 20.84% | 166.82%-146.0pp | 134.50%-113.7pp | 373.84%-353.0pp |
| Employer contribution / active EE | $3,410 | $5,478-37.8% | $4,821-29.3% | $4,755-28.3% |
| Participant deferral / active EE | $12,546 | $6,522+92.4% | $5,682+120.8% | $6,713+86.9% |
| Admin fee / account holder | $4,406 | $16,158-72.7% | $13,215-66.7% | $11,407-61.4% |