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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 | $149,044 | $160,028-6.9% | $147,080+1.3% | $145,884+2.2% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 45.59% | 98.60%-53.0pp | 420.17%-374.6pp | 551.85%-506.3pp |
| Employer contribution / active EE | $2,993 | $5,286-43.4% | $4,933-39.3% | $4,662-35.8% |
| Participant deferral / active EE | $12,207 | $8,422+44.9% | $8,066+51.3% | $6,690+82.5% |
| Admin fee / account holder | $347 | $15,030-97.7% | $12,989-97.3% | $13,392-97.4% |