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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 | $149,425 | $209,422-28.6% | $178,503-16.3% | $158,982-6.0% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 16.65% | 188.81%-172.2pp | 151.12%-134.5pp | 302.99%-286.3pp |
| Employer contribution / active EE | $6,914 | $5,707+21.1% | $5,011+38.0% | $4,763+45.2% |
| Participant deferral / active EE | $6,125 | $5,955+2.9% | $5,202+17.7% | $5,983+2.4% |
| Admin fee / account holder | $8,891 | $17,079-47.9% | $13,987-36.4% | $11,252-21.0% |