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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 | $171,107 | $176,077-2.8% | $159,455+7.3% | $167,518+2.1% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 18.78% | 331.83%-313.1pp | 263.63%-244.9pp | 478.71%-459.9pp |
| Employer contribution / active EE | $8,049 | $5,298+51.9% | $4,830+66.6% | $4,838+66.4% |
| Participant deferral / active EE | $11,404 | $7,751+47.1% | $7,353+55.1% | $6,342+79.8% |
| Admin fee / account holder | $1,359 | $12,556-89.2% | $10,800-87.4% | $12,312-89.0% |