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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 | $145,767 | $175,212-16.8% | $149,682-2.6% | $139,427+4.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 11.71% | 166.63%-154.9pp | 134.35%-122.6pp | 373.27%-361.6pp |
| Employer contribution / active EE | $3,862 | $5,475-29.5% | $4,818-19.9% | $4,752-18.7% |
| Participant deferral / active EE | $8,576 | $6,520+31.5% | $5,681+51.0% | $6,711+27.8% |
| Admin fee / account holder | $356 | $16,150-97.8% | $13,210-97.3% | $11,404-96.9% |