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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 | $171,581 | $176,105-2.6% | $159,474+7.6% | $167,536+2.4% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 11.76% | 331.91%-320.2pp | 263.68%-251.9pp | 478.82%-467.1pp |
| Employer contribution / active EE | $8,444 | $5,299+59.4% | $4,831+74.8% | $4,839+74.5% |
| Participant deferral / active EE | $9,889 | $7,751+27.6% | $7,353+34.5% | $6,342+55.9% |
| Admin fee / account holder | $2,607 | $12,559-79.2% | $10,802-75.9% | $12,315-78.8% |