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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 | $178,008 | $138,078+28.9% | $125,363+42.0% | $134,509+32.3% |
| Participation rate | 86.4% | 84.5%+1.9pp | 82.4%+4.0pp | 81.2%+5.1pp |
| Annual return | -16.65% | 750.49%-767.1pp | 572.15%-588.8pp | 418.13%-434.8pp |
| Employer contribution / active EE | $1,212 | $5,245-76.9% | $4,815-74.8% | $4,741-74.4% |
| Participant deferral / active EE | $11,762 | $7,800+50.8% | $7,447+57.9% | $6,400+83.8% |
| Admin fee / account holder | $16,680 | $11,566+44.2% | $10,005+66.7% | $11,427+46.0% |