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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 | $122,602 | $114,130+7.4% | $96,192+27.5% | $167,553-26.8% |
| Participation rate | 77.8% | 75.1%+2.7pp | 68.4%+9.3pp | 82.1%-4.3pp |
| Annual return | 18.00% | 190.07%-172.1pp | 192.09%-174.1pp | 478.89%-460.9pp |
| Employer contribution / active EE | $2,830 | $3,431-17.5% | $2,799+1.1% | $4,840-41.5% |
| Participant deferral / active EE | $6,152 | $5,198+18.4% | $4,351+41.4% | $6,343-3.0% |
| Admin fee / account holder | $720 | $6,901-89.6% | $5,539-87.0% | $12,316-94.2% |