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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 | $128,082 | $144,130-11.1% | $117,861+8.7% | $147,586-13.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 13.31% | 531.20%-517.9pp | 335.11%-321.8pp | 578.59%-565.3pp |
| Employer contribution / active EE | $3,730 | $4,897-23.8% | $3,786-1.5% | $4,876-23.5% |
| Participant deferral / active EE | $4,250 | $5,316-20.1% | $4,482-5.2% | $5,439-21.9% |
| Admin fee / account holder | $2,969 | $10,887-72.7% | $8,021-63.0% | $10,886-72.7% |