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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 | $179,104 | $160,040+11.9% | $147,096+21.8% | $145,877+22.8% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 12.24% | 98.49%-86.3pp | 419.75%-407.5pp | 551.28%-539.0pp |
| Employer contribution / active EE | $4,680 | $5,289-11.5% | $4,936-5.2% | $4,663+0.4% |
| Participant deferral / active EE | $12,124 | $8,429+43.8% | $8,071+50.2% | $6,691+81.2% |
| Admin fee / account holder | $20,216 | $15,050+34.3% | $13,005+55.4% | $13,402+50.8% |