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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 | $144,548 | $148,623-2.7% | $135,974+6.3% | $139,466+3.6% |
| Participation rate | 90.0% | 83.9%+6.1pp | 81.9%+8.1pp | 80.3%+9.7pp |
| Annual return | 13.63% | 79.30%-65.7pp | 68.30%-54.7pp | 373.66%-360.0pp |
| Employer contribution / active EE | $4,443 | $5,246-15.3% | $4,859-8.6% | $4,754-6.5% |
| Participant deferral / active EE | $12,901 | $8,103+59.2% | $7,760+66.3% | $6,712+92.2% |
| Admin fee / account holder | $3,821 | $12,406-69.2% | $10,767-64.5% | $11,409-66.5% |