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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 | $139,211 | $144,130-3.4% | $117,861+18.1% | $147,586-5.7% |
| Participation rate | 87.0% | 83.4%+3.5pp | 79.7%+7.3pp | 82.8%+4.1pp |
| Annual return | 20.19% | 531.20%-511.0pp | 335.11%-314.9pp | 578.59%-558.4pp |
| Employer contribution / active EE | $3,757 | $4,897-23.3% | $3,786-0.8% | $4,876-23.0% |
| Participant deferral / active EE | $7,338 | $5,316+38.0% | $4,482+63.7% | $5,439+34.9% |
| Admin fee / account holder | $3,988 | $10,887-63.4% | $8,021-50.3% | $10,886-63.4% |