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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 | $99,581 | $209,422-52.4% | $178,503-44.2% | $158,982-37.4% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 6.84% | 188.81%-182.0pp | 151.12%-144.3pp | 302.99%-296.1pp |
| Employer contribution / active EE | $3,515 | $5,707-38.4% | $5,011-29.9% | $4,763-26.2% |
| Participant deferral / active EE | $4,594 | $5,955-22.9% | $5,202-11.7% | $5,983-23.2% |
| Admin fee / account holder | $12,120 | $17,079-29.0% | $13,987-13.3% | $11,252+7.7% |