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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 | $137,571 | $209,425-34.3% | $178,499-22.9% | $158,966-13.5% |
| Participation rate | 92.3% | 86.4%+6.0pp | 81.9%+10.4pp | 82.0%+10.3pp |
| Annual return | 6.98% | 188.80%-181.8pp | 151.10%-144.1pp | 302.95%-296.0pp |
| Employer contribution / active EE | $2,268 | $5,707-60.3% | $5,011-54.7% | $4,762-52.4% |
| Participant deferral / active EE | $5,951 | $5,955-0.1% | $5,202+14.4% | $5,983-0.5% |
| Admin fee / account holder | $437 | $17,078-97.4% | $13,986-96.9% | $11,250-96.1% |