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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 | $170,271 | $176,120-3.3% | $159,487+6.8% | $167,553+1.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 12.08% | 331.95%-319.9pp | 263.71%-251.6pp | 478.89%-466.8pp |
| Employer contribution / active EE | $3,939 | $5,299-25.7% | $4,831-18.5% | $4,840-18.6% |
| Participant deferral / active EE | $12,027 | $7,752+55.2% | $7,354+63.6% | $6,343+89.6% |
| Admin fee / account holder | $6,868 | $12,561-45.3% | $10,804-36.4% | $12,316-44.2% |