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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 | $142,409 | $176,105-19.1% | $159,474-10.7% | $167,536-15.0% |
| Participation rate | 94.1% | 85.0%+9.2pp | 82.8%+11.3pp | 82.1%+12.0pp |
| Annual return | 11.74% | 331.91%-320.2pp | 263.68%-251.9pp | 478.82%-467.1pp |
| Employer contribution / active EE | $10,794 | $5,299+103.7% | $4,831+123.4% | $4,839+123.0% |
| Participant deferral / active EE | $10,824 | $7,751+39.6% | $7,353+47.2% | $6,342+70.7% |
| Admin fee / account holder | $570 | $12,559-95.5% | $10,802-94.7% | $12,315-95.4% |