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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 | $193,916 | $160,040+21.2% | $147,096+31.8% | $145,877+32.9% |
| Participation rate | 86.7% | 84.0%+2.6pp | 82.2%+4.5pp | 80.3%+6.4pp |
| Annual return | 11.59% | 98.49%-86.9pp | 419.75%-408.2pp | 551.28%-539.7pp |
| Employer contribution / active EE | $10,245 | $5,289+93.7% | $4,936+107.6% | $4,663+119.7% |
| Participant deferral / active EE | $8,102 | $8,429-3.9% | $8,071+0.4% | $6,691+21.1% |
| Admin fee / account holder | $648 | $15,050-95.7% | $13,005-95.0% | $13,402-95.2% |