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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 | $161,301 | $217,432-25.8% | $185,849-13.2% | $167,536-3.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 9.68% | 148.42%-138.7pp | 122.10%-112.4pp | 478.82%-469.1pp |
| Employer contribution / active EE | $6,731 | $5,875+14.6% | $5,169+30.2% | $4,839+39.1% |
| Participant deferral / active EE | $4,177 | $6,357-34.3% | $5,569-25.0% | $6,342-34.1% |
| Admin fee / account holder | $14,251 | $19,818-28.1% | $16,244-12.3% | $12,315+15.7% |