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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 | $169,588 | $176,105-3.7% | $159,474+6.3% | $167,536+1.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 13.57% | 331.91%-318.3pp | 263.68%-250.1pp | 478.82%-465.2pp |
| Employer contribution / active EE | $1,127 | $5,299-78.7% | $4,831-76.7% | $4,839-76.7% |
| Participant deferral / active EE | $9,596 | $7,751+23.8% | $7,353+30.5% | $6,342+51.3% |
| Admin fee / account holder | $529 | $12,559-95.8% | $10,802-95.1% | $12,315-95.7% |