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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 | $155,808 | $160,040-2.6% | $147,096+5.9% | $145,877+6.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 19.18% | 98.49%-79.3pp | 419.75%-400.6pp | 551.28%-532.1pp |
| Employer contribution / active EE | $9,032 | $5,289+70.8% | $4,936+83.0% | $4,663+93.7% |
| Participant deferral / active EE | $8,249 | $8,429-2.1% | $8,071+2.2% | $6,691+23.3% |
| Admin fee / account holder | $1,289 | $15,050-91.4% | $13,005-90.1% | $13,402-90.4% |