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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 | $79,563 | $209,422-62.0% | $178,503-55.4% | $158,982-50.0% |
| Participation rate | 94.1% | 86.4%+7.8pp | 81.9%+12.2pp | 82.0%+12.2pp |
| Annual return | 6.91% | 188.81%-181.9pp | 151.12%-144.2pp | 302.99%-296.1pp |
| Employer contribution / active EE | $7,412 | $5,707+29.9% | $5,011+47.9% | $4,763+55.6% |
| Participant deferral / active EE | $6,527 | $5,955+9.6% | $5,202+25.5% | $5,983+9.1% |
| Admin fee / account holder | $1,932 | $17,079-88.7% | $13,987-86.2% | $11,252-82.8% |