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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 | $147,692 | $160,028-7.7% | $147,080+0.4% | $145,884+1.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 17.29% | 98.60%-81.3pp | 420.17%-402.9pp | 551.85%-534.6pp |
| Employer contribution / active EE | $4,797 | $5,286-9.2% | $4,933-2.8% | $4,662+2.9% |
| Participant deferral / active EE | $19,809 | $8,422+135.2% | $8,066+145.6% | $6,690+196.1% |
| Admin fee / account holder | $15,827 | $15,030+5.3% | $12,989+21.9% | $13,392+18.2% |