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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 | $164,536 | $217,432-24.3% | $185,851-11.5% | $167,553-1.8% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 17.85% | 148.43%-130.6pp | 122.11%-104.3pp | 478.89%-461.0pp |
| Employer contribution / active EE | $9,970 | $5,874+69.7% | $5,168+92.9% | $4,840+106.0% |
| Participant deferral / active EE | $5,783 | $6,357-9.0% | $5,569+3.9% | $6,343-8.8% |
| Admin fee / account holder | $815 | $19,820-95.9% | $16,245-95.0% | $12,316-93.4% |