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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 | $115,074 | $209,428-45.1% | $178,498-35.5% | $158,950-27.6% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 14.92% | 188.78%-173.9pp | 151.09%-136.2pp | 302.91%-288.0pp |
| Employer contribution / active EE | $2,837 | $5,707-50.3% | $5,011-43.4% | $4,762-40.4% |
| Participant deferral / active EE | $10,345 | $5,955+73.7% | $5,202+98.9% | $5,983+72.9% |
| Admin fee / account holder | $463 | $17,077-97.3% | $13,985-96.7% | $11,248-95.9% |