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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 | $148,800 | $152,619-2.5% | $125,195+18.9% | $152,909-2.7% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 14.57% | 54.85%-40.3pp | 43.79%-29.2pp | 345.46%-330.9pp |
| Employer contribution / active EE | $8,475 | $4,947+71.3% | $3,866+119.2% | $4,764+77.9% |
| Participant deferral / active EE | $4,831 | $5,869-17.7% | $4,937-2.2% | $5,851-17.4% |
| Admin fee / account holder | $7,654 | $13,437-43.0% | $9,704-21.1% | $11,601-34.0% |