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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 | $172,161 | $160,040+7.6% | $147,096+17.0% | $145,877+18.0% |
| Participation rate | 93.3% | 84.0%+9.3pp | 82.2%+11.2pp | 80.3%+13.0pp |
| Annual return | 12.87% | 98.49%-85.6pp | 419.75%-406.9pp | 551.28%-538.4pp |
| Employer contribution / active EE | $5,148 | $5,289-2.7% | $4,936+4.3% | $4,663+10.4% |
| Participant deferral / active EE | $12,151 | $8,429+44.2% | $8,071+50.5% | $6,691+81.6% |
| Admin fee / account holder | $64,787 | $15,050+330.5% | $13,005+398.2% | $13,402+383.4% |