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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 | $148,285 | $217,432-31.8% | $185,849-20.2% | $167,536-11.5% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.43% | 148.42%-137.0pp | 122.10%-110.7pp | 478.82%-467.4pp |
| Employer contribution / active EE | $7,765 | $5,875+32.2% | $5,169+50.2% | $4,839+60.5% |
| Participant deferral / active EE | $7,279 | $6,357+14.5% | $5,569+30.7% | $6,342+14.8% |
| Admin fee / account holder | $1,472 | $19,818-92.6% | $16,244-90.9% | $12,315-88.0% |