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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 | $155,574 | $176,120-11.7% | $159,487-2.5% | $167,553-7.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.31% | 331.95%-319.6pp | 263.71%-251.4pp | 478.89%-466.6pp |
| Employer contribution / active EE | $8,025 | $5,299+51.4% | $4,831+66.1% | $4,840+65.8% |
| Participant deferral / active EE | $6,360 | $7,752-18.0% | $7,354-13.5% | $6,343+0.3% |
| Admin fee / account holder | $418 | $12,561-96.7% | $10,804-96.1% | $12,316-96.6% |