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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 | $193,834 | $176,120+10.1% | $159,487+21.5% | $167,553+15.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.91% | 331.95%-318.0pp | 263.71%-249.8pp | 478.89%-465.0pp |
| Employer contribution / active EE | $4,488 | $5,299-15.3% | $4,831-7.1% | $4,840-7.3% |
| Participant deferral / active EE | $7,433 | $7,752-4.1% | $7,354+1.1% | $6,343+17.2% |
| Admin fee / account holder | $1,469 | $12,561-88.3% | $10,804-86.4% | $12,316-88.1% |