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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 | $125,360 | $144,130-13.0% | $117,861+6.4% | $147,586-15.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 18.92% | 531.20%-512.3pp | 335.11%-316.2pp | 578.59%-559.7pp |
| Employer contribution / active EE | $4,999 | $4,897+2.1% | $3,786+32.0% | $4,876+2.5% |
| Participant deferral / active EE | $5,322 | $5,316+0.1% | $4,482+18.7% | $5,439-2.2% |
| Admin fee / account holder | $881 | $10,887-91.9% | $8,021-89.0% | $10,886-91.9% |