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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 | $169,004 | $160,040+5.6% | $147,096+14.9% | $145,877+15.9% |
| Participation rate | 95.7% | 84.0%+11.6pp | 82.2%+13.5pp | 80.3%+15.3pp |
| Annual return | 14.26% | 98.49%-84.2pp | 419.75%-405.5pp | 551.28%-537.0pp |
| Employer contribution / active EE | $3,248 | $5,289-38.6% | $4,936-34.2% | $4,663-30.3% |
| Participant deferral / active EE | $11,015 | $8,429+30.7% | $8,071+36.5% | $6,691+64.6% |
| Admin fee / account holder | $4,296 | $15,050-71.5% | $13,005-67.0% | $13,402-67.9% |