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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 | $146,219 | $148,623-1.6% | $135,974+7.5% | $139,466+4.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 13.22% | 79.30%-66.1pp | 68.30%-55.1pp | 373.66%-360.4pp |
| Employer contribution / active EE | $8,977 | $5,246+71.1% | $4,859+84.8% | $4,754+88.8% |
| Participant deferral / active EE | $6,169 | $8,103-23.9% | $7,760-20.5% | $6,712-8.1% |
| Admin fee / account holder | $5,227 | $12,406-57.9% | $10,767-51.4% | $11,409-54.2% |