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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 | $158,703 | $109,327+45.2% | $89,391+77.5% | $158,931-0.1% |
| Participation rate | 85.7% | 74.3%+11.5pp | 68.0%+17.7pp | 82.0%+3.8pp |
| Annual return | 13.18% | 345.68%-332.5pp | 245.62%-232.4pp | 302.86%-289.7pp |
| Employer contribution / active EE | $2,051 | $3,170-35.3% | $2,586-20.7% | $4,761-56.9% |
| Participant deferral / active EE | $13,678 | $4,598+197.5% | $3,890+251.6% | $5,982+128.6% |
| Admin fee / account holder | $5,428 | $6,153-11.8% | $4,881+11.2% | $11,247-51.7% |