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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 | $148,404 | $160,040-7.3% | $147,096+0.9% | $145,877+1.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.07% | 98.49%-87.4pp | 419.75%-408.7pp | 551.28%-540.2pp |
| Employer contribution / active EE | $3,420 | $5,289-35.4% | $4,936-30.7% | $4,663-26.7% |
| Participant deferral / active EE | $8,598 | $8,429+2.0% | $8,071+6.5% | $6,691+28.5% |
| Admin fee / account holder | $3,919 | $15,050-74.0% | $13,005-69.9% | $13,402-70.8% |