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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 | $190,605 | $176,120+8.2% | $159,487+19.5% | $167,553+13.8% |
| Participation rate | 78.6% | 85.0%-6.4pp | 82.8%-4.3pp | 82.1%-3.5pp |
| Annual return | 14.69% | 331.95%-317.3pp | 263.71%-249.0pp | 478.89%-464.2pp |
| Employer contribution / active EE | $2,651 | $5,299-50.0% | $4,831-45.1% | $4,840-45.2% |
| Participant deferral / active EE | $8,473 | $7,752+9.3% | $7,354+15.2% | $6,343+33.6% |
| Admin fee / account holder | $2,102 | $12,561-83.3% | $10,804-80.5% | $12,316-82.9% |