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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 | $152,064 | $168,635-9.8% | $147,617+3.0% | $125,389+21.3% |
| Participation rate | 90.0% | 88.8%+1.2pp | 84.6%+5.4pp | 83.2%+6.8pp |
| Annual return | -0.67% | 77.65%-78.3pp | 61.98%-62.6pp | 282.24%-282.9pp |
| Employer contribution / active EE | $14,985 | $6,252+139.7% | $5,564+169.3% | $4,866+207.9% |
| Participant deferral / active EE | $3,831 | $5,507-30.4% | $4,895-21.8% | $5,352-28.4% |
| Admin fee / account holder | $12,921 | $13,580-4.9% | $11,612+11.3% | $9,541+35.4% |