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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 | $114,482 | $209,422-45.3% | $178,503-35.9% | $158,982-28.0% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.98% | 188.81%-176.8pp | 151.12%-139.1pp | 302.99%-291.0pp |
| Employer contribution / active EE | $4,774 | $5,707-16.3% | $5,011-4.7% | $4,763+0.2% |
| Participant deferral / active EE | $9,086 | $5,955+52.6% | $5,202+74.6% | $5,983+51.8% |
| Admin fee / account holder | $22,926 | $17,079+34.2% | $13,987+63.9% | $11,252+103.8% |