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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 | $177,343 | $209,422-15.3% | $178,503-0.7% | $158,982+11.5% |
| Participation rate | 71.4% | 86.4%-14.9pp | 81.9%-10.5pp | 82.0%-10.5pp |
| Annual return | 10.73% | 188.81%-178.1pp | 151.12%-140.4pp | 302.99%-292.3pp |
| Employer contribution / active EE | $12,098 | $5,707+112.0% | $5,011+141.4% | $4,763+154.0% |
| Participant deferral / active EE | $7,847 | $5,955+31.8% | $5,202+50.8% | $5,983+31.1% |
| Admin fee / account holder | $390 | $17,079-97.7% | $13,987-97.2% | $11,252-96.5% |