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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 | $151,645 | $209,422-27.6% | $178,503-15.0% | $158,982-4.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 12.21% | 188.81%-176.6pp | 151.12%-138.9pp | 302.99%-290.8pp |
| Employer contribution / active EE | $3,986 | $5,707-30.2% | $5,011-20.5% | $4,763-16.3% |
| Participant deferral / active EE | $11,374 | $5,955+91.0% | $5,202+118.6% | $5,983+90.1% |
| Admin fee / account holder | $313 | $17,079-98.2% | $13,987-97.8% | $11,252-97.2% |