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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 | $197,663 | $176,120+12.2% | $159,487+23.9% | $167,553+18.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 14.57% | 331.95%-317.4pp | 263.71%-249.1pp | 478.89%-464.3pp |
| Employer contribution / active EE | $3,793 | $5,299-28.4% | $4,831-21.5% | $4,840-21.6% |
| Participant deferral / active EE | $8,317 | $7,752+7.3% | $7,354+13.1% | $6,343+31.1% |
| Admin fee / account holder | $8,137 | $12,561-35.2% | $10,804-24.7% | $12,316-33.9% |