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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 | $144,360 | $209,425-31.1% | $178,499-19.1% | $158,966-9.2% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 20.86% | 188.80%-167.9pp | 151.10%-130.2pp | 302.95%-282.1pp |
| Employer contribution / active EE | $2,118 | $5,707-62.9% | $5,011-57.7% | $4,762-55.5% |
| Participant deferral / active EE | $8,835 | $5,955+48.4% | $5,202+69.8% | $5,983+47.7% |
| Admin fee / account holder | $3,490 | $17,078-79.6% | $13,986-75.0% | $11,250-69.0% |