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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 | $180,070 | $160,070+12.5% | $147,117+22.4% | $145,897+23.4% |
| Participation rate | 86.7% | 84.0%+2.6pp | 82.2%+4.5pp | 80.3%+6.4pp |
| Annual return | 18.32% | 98.69%-80.4pp | 420.54%-402.2pp | 552.29%-534.0pp |
| Employer contribution / active EE | $4,855 | $5,285-8.1% | $4,932-1.6% | $4,663+4.1% |
| Participant deferral / active EE | $11,106 | $8,419+31.9% | $8,065+37.7% | $6,689+66.0% |
| Admin fee / account holder | $7,281 | $15,035-51.6% | $12,993-44.0% | $13,390-45.6% |