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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 | $131,793 | $144,130-8.6% | $117,861+11.8% | $147,586-10.7% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 18.10% | 531.20%-513.1pp | 335.11%-317.0pp | 578.59%-560.5pp |
| Employer contribution / active EE | $1,835 | $4,897-62.5% | $3,786-51.5% | $4,876-62.4% |
| Participant deferral / active EE | $6,390 | $5,316+20.2% | $4,482+42.6% | $5,439+17.5% |
| Admin fee / account holder | $24,742 | $10,887+127.3% | $8,021+208.5% | $10,886+127.3% |