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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 | $133,404 | $176,105-24.2% | $159,474-16.3% | $167,536-20.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 11.95% | 331.91%-320.0pp | 263.68%-251.7pp | 478.82%-466.9pp |
| Employer contribution / active EE | $4,591 | $5,299-13.4% | $4,831-5.0% | $4,839-5.1% |
| Participant deferral / active EE | $10,135 | $7,751+30.7% | $7,353+37.8% | $6,342+59.8% |
| Admin fee / account holder | $4,091 | $12,559-67.4% | $10,802-62.1% | $12,315-66.8% |