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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 | $153,369 | $160,028-4.2% | $147,080+4.3% | $145,884+5.1% |
| Participation rate | 92.3% | 84.0%+8.3pp | 82.2%+10.1pp | 80.3%+12.0pp |
| Annual return | 11.97% | 98.60%-86.6pp | 420.17%-408.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $3,993 | $5,286-24.5% | $4,933-19.1% | $4,662-14.4% |
| Participant deferral / active EE | $10,876 | $8,422+29.1% | $8,066+34.8% | $6,690+62.6% |
| Admin fee / account holder | $15,318 | $15,030+1.9% | $12,989+17.9% | $13,392+14.4% |