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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 | $194,838 | $217,432-10.4% | $185,851+4.8% | $167,553+16.3% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.69% | 148.43%-135.7pp | 122.11%-109.4pp | 478.89%-466.2pp |
| Employer contribution / active EE | $1,601 | $5,874-72.7% | $5,168-69.0% | $4,840-66.9% |
| Participant deferral / active EE | $2,838 | $6,357-55.4% | $5,569-49.0% | $6,343-55.3% |
| Admin fee / account holder | $34,067 | $19,820+71.9% | $16,245+109.7% | $12,316+176.6% |