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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 | $110,513 | $160,028-30.9% | $147,080-24.9% | $145,884-24.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 11.80% | 98.60%-86.8pp | 420.17%-408.4pp | 551.85%-540.0pp |
| Employer contribution / active EE | $5,271 | $5,286-0.3% | $4,933+6.8% | $4,662+13.1% |
| Participant deferral / active EE | $14,119 | $8,422+67.6% | $8,066+75.0% | $6,690+111.1% |
| Admin fee / account holder | $474 | $15,030-96.8% | $12,989-96.3% | $13,392-96.5% |