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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 | $162,245 | $176,105-7.9% | $159,474+1.7% | $167,536-3.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 10.94% | 331.91%-321.0pp | 263.68%-252.7pp | 478.82%-467.9pp |
| Employer contribution / active EE | $13,821 | $5,299+160.8% | $4,831+186.1% | $4,839+185.6% |
| Participant deferral / active EE | $12,642 | $7,751+63.1% | $7,353+71.9% | $6,342+99.3% |
| Admin fee / account holder | $548 | $12,559-95.6% | $10,802-94.9% | $12,315-95.5% |