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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 | $146,012 | $217,432-32.8% | $185,849-21.4% | $167,536-12.8% |
| Participation rate | 72.7% | 86.1%-13.3pp | 81.7%-9.0pp | 82.1%-9.4pp |
| Annual return | 13.18% | 148.42%-135.2pp | 122.10%-108.9pp | 478.82%-465.6pp |
| Employer contribution / active EE | $7,450 | $5,875+26.8% | $5,169+44.1% | $4,839+54.0% |
| Participant deferral / active EE | $5,295 | $6,357-16.7% | $5,569-4.9% | $6,342-16.5% |
| Admin fee / account holder | $3,456 | $19,818-82.6% | $16,244-78.7% | $12,315-71.9% |