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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 | $177,531 | $160,028+10.9% | $147,080+20.7% | $145,884+21.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.96% | 98.60%-86.6pp | 420.17%-408.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $4,488 | $5,286-15.1% | $4,933-9.0% | $4,662-3.7% |
| Participant deferral / active EE | $10,321 | $8,422+22.6% | $8,066+28.0% | $6,690+54.3% |
| Admin fee / account holder | $2,981 | $15,030-80.2% | $12,989-77.1% | $13,392-77.7% |