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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 | $145,853 | $175,257-16.8% | $149,717-2.6% | $139,456+4.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 18.80% | 166.70%-147.9pp | 134.41%-115.6pp | 373.45%-354.7pp |
| Employer contribution / active EE | $25,500 | $5,477+365.6% | $4,820+429.1% | $4,753+436.5% |
| Participant deferral / active EE | $30,000 | $6,521+360.1% | $5,682+428.0% | $6,711+347.0% |
| Admin fee / account holder | $760 | $16,156-95.3% | $13,213-94.2% | $11,407-93.3% |