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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 | $185,981 | $160,040+16.2% | $147,096+26.4% | $145,877+27.5% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 12.06% | 98.49%-86.4pp | 419.75%-407.7pp | 551.28%-539.2pp |
| Employer contribution / active EE | $12,083 | $5,289+128.4% | $4,936+144.8% | $4,663+159.1% |
| Participant deferral / active EE | $12,012 | $8,429+42.5% | $8,071+48.8% | $6,691+79.5% |
| Admin fee / account holder | $2,581 | $15,050-82.9% | $13,005-80.2% | $13,402-80.7% |