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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 | $165,374 | $176,077-6.1% | $159,455+3.7% | $167,518-1.3% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 32.56% | 331.83%-299.3pp | 263.63%-231.1pp | 478.71%-446.2pp |
| Employer contribution / active EE | $4,257 | $5,298-19.6% | $4,830-11.9% | $4,838-12.0% |
| Participant deferral / active EE | $7,236 | $7,751-6.6% | $7,353-1.6% | $6,342+14.1% |
| Admin fee / account holder | $3,812 | $12,556-69.6% | $10,800-64.7% | $12,312-69.0% |