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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 | $105,785 | $209,425-49.5% | $178,499-40.7% | $158,966-33.5% |
| Participation rate | 93.8% | 86.4%+7.4pp | 81.9%+11.8pp | 82.0%+11.8pp |
| Annual return | 10.87% | 188.80%-177.9pp | 151.10%-140.2pp | 302.95%-292.1pp |
| Employer contribution / active EE | $10,465 | $5,707+83.4% | $5,011+108.8% | $4,762+119.7% |
| Participant deferral / active EE | $6,294 | $5,955+5.7% | $5,202+21.0% | $5,983+5.2% |
| Admin fee / account holder | $4,589 | $17,078-73.1% | $13,986-67.2% | $11,250-59.2% |