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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 | $161,599 | $160,040+1.0% | $147,096+9.9% | $145,877+10.8% |
| Participation rate | 72.7% | 84.0%-11.3pp | 82.2%-9.5pp | 80.3%-7.6pp |
| Annual return | 13.93% | 98.49%-84.6pp | 419.75%-405.8pp | 551.28%-537.4pp |
| Employer contribution / active EE | $3,312 | $5,289-37.4% | $4,936-32.9% | $4,663-29.0% |
| Participant deferral / active EE | $9,758 | $8,429+15.8% | $8,071+20.9% | $6,691+45.8% |
| Admin fee / account holder | $39,951 | $15,050+165.5% | $13,005+207.2% | $13,402+198.1% |