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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 | $209,471 | $157,304+33.2% | $141,197+48.4% | $152,909+37.0% |
| Participation rate | 94.7% | 84.8%+9.9pp | 82.5%+12.3pp | 82.5%+12.3pp |
| Annual return | 24.16% | 64.34%-40.2pp | 71.41%-47.2pp | 345.46%-321.3pp |
| Employer contribution / active EE | $8,510 | $5,263+61.7% | $4,736+79.7% | $4,764+78.6% |
| Participant deferral / active EE | $11,182 | $7,111+57.3% | $6,710+66.6% | $5,851+91.1% |
| Admin fee / account holder | $4,444 | $12,126-63.3% | $10,265-56.7% | $11,601-61.7% |