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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 | $98,284 | $176,077-44.2% | $159,455-38.4% | $167,518-41.3% |
| Participation rate | 94.7% | 84.9%+9.8pp | 82.8%+11.9pp | 82.1%+12.6pp |
| Annual return | 18.09% | 331.83%-313.7pp | 263.63%-245.5pp | 478.71%-460.6pp |
| Employer contribution / active EE | $5,788 | $5,298+9.2% | $4,830+19.8% | $4,838+19.6% |
| Participant deferral / active EE | $10,051 | $7,751+29.7% | $7,353+36.7% | $6,342+58.5% |
| Admin fee / account holder | $7,227 | $12,556-42.4% | $10,800-33.1% | $12,312-41.3% |