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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 | $158,434 | $160,040-1.0% | $147,096+7.7% | $145,877+8.6% |
| Participation rate | 95.7% | 84.0%+11.6pp | 82.2%+13.5pp | 80.3%+15.3pp |
| Annual return | 16.70% | 98.49%-81.8pp | 419.75%-403.0pp | 551.28%-534.6pp |
| Employer contribution / active EE | $11,055 | $5,289+109.0% | $4,936+124.0% | $4,663+137.1% |
| Participant deferral / active EE | $17,758 | $8,429+110.7% | $8,071+120.0% | $6,691+165.4% |
| Admin fee / account holder | $2,577 | $15,050-82.9% | $13,005-80.2% | $13,402-80.8% |