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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 | $121,161 | $180,749-33.0% | $160,784-24.6% | $137,256-11.7% |
| Participation rate | 84.6% | 80.0%+4.6pp | 77.0%+7.7pp | 80.0%+4.7pp |
| Annual return | 13.19% | 2234.46%-2221.3pp | 1803.92%-1790.7pp | 220.34%-207.2pp |
| Employer contribution / active EE | $2,478 | $4,155-40.4% | $3,733-33.6% | $4,156-40.4% |
| Participant deferral / active EE | $10,259 | $6,844+49.9% | $6,293+63.0% | $6,407+60.1% |
| Admin fee / account holder | $8,101 | $10,397-22.1% | $9,717-16.6% | $12,270-34.0% |