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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 | $176,576 | $183,516-3.8% | $155,534+13.5% | $145,884+21.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.22% | 61.43%-50.2pp | 64.92%-53.7pp | 551.85%-540.6pp |
| Employer contribution / active EE | $4,982 | $5,315-6.3% | $4,675+6.6% | $4,662+6.9% |
| Participant deferral / active EE | $16,300 | $6,467+152.1% | $5,630+189.5% | $6,690+143.7% |
| Admin fee / account holder | $29,982 | $19,293+55.4% | $15,900+88.6% | $13,392+123.9% |