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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 | $152,665 | $160,070-4.6% | $147,117+3.8% | $145,897+4.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.68% | 98.69%-88.0pp | 420.54%-409.9pp | 552.29%-541.6pp |
| Employer contribution / active EE | $3,501 | $5,285-33.7% | $4,932-29.0% | $4,663-24.9% |
| Participant deferral / active EE | $13,687 | $8,419+62.6% | $8,065+69.7% | $6,689+104.6% |
| Admin fee / account holder | $478 | $15,035-96.8% | $12,993-96.3% | $13,390-96.4% |