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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 | $154,724 | $155,833-0.7% | $124,693+24.1% | $167,536-7.6% |
| Participation rate | 90.0% | 81.1%+8.9pp | 74.6%+15.4pp | 82.1%+7.9pp |
| Annual return | 33.63% | 17.98%+15.7pp | 5144.19%-5110.6pp | 478.82%-445.2pp |
| Employer contribution / active EE | $1,380 | $4,164-66.9% | $3,324-58.5% | $4,839-71.5% |
| Participant deferral / active EE | $4,304 | $5,675-24.2% | $4,615-6.7% | $6,342-32.1% |
| Admin fee / account holder | $4,558 | $9,534-52.2% | $7,494-39.2% | $12,315-63.0% |