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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 | $147,315 | $109,967+34.0% | $97,197+51.6% | $145,877+1.0% |
| Participation rate | 85.7% | 76.0%+9.8pp | 72.7%+13.0pp | 80.3%+5.4pp |
| Annual return | 12.96% | 244.27%-231.3pp | 75.47%-62.5pp | 551.28%-538.3pp |
| Employer contribution / active EE | $2,681 | $3,077-12.9% | $2,723-1.5% | $4,663-42.5% |
| Participant deferral / active EE | $7,111 | $4,676+52.1% | $4,263+66.8% | $6,691+6.3% |
| Admin fee / account holder | $1,236 | $6,199-80.1% | $5,637-78.1% | $13,402-90.8% |