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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 | $120,515 | $175,231-31.2% | $149,696-19.5% | $139,466-13.6% |
| Participation rate | 94.1% | 83.4%+10.7pp | 78.8%+15.3pp | 80.3%+13.8pp |
| Annual return | 17.58% | 166.77%-149.2pp | 134.46%-116.9pp | 373.66%-356.1pp |
| Employer contribution / active EE | $7,268 | $5,478+32.7% | $4,821+50.8% | $4,754+52.9% |
| Participant deferral / active EE | $4,861 | $6,521-25.5% | $5,682-14.4% | $6,712-27.6% |
| Admin fee / account holder | $926 | $16,155-94.3% | $13,212-93.0% | $11,409-91.9% |