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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 | $175,261 | $144,130+21.6% | $117,861+48.7% | $147,586+18.8% |
| Participation rate | 93.8% | 83.4%+10.3pp | 79.7%+14.1pp | 82.8%+10.9pp |
| Annual return | 14.57% | 531.20%-516.6pp | 335.11%-320.5pp | 578.59%-564.0pp |
| Employer contribution / active EE | $2,859 | $4,897-41.6% | $3,786-24.5% | $4,876-41.4% |
| Participant deferral / active EE | $7,370 | $5,316+38.6% | $4,482+64.4% | $5,439+35.5% |
| Admin fee / account holder | $344 | $10,887-96.8% | $8,021-95.7% | $10,886-96.8% |