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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 | $161,025 | $217,432-25.9% | $185,849-13.4% | $167,536-3.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.10% | 148.42%-134.3pp | 122.10%-108.0pp | 478.82%-464.7pp |
| Employer contribution / active EE | $6,563 | $5,875+11.7% | $5,169+27.0% | $4,839+35.6% |
| Participant deferral / active EE | $5,649 | $6,357-11.1% | $5,569+1.4% | $6,342-10.9% |
| Admin fee / account holder | $9,493 | $19,818-52.1% | $16,244-41.6% | $12,315-22.9% |