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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 | $136,838 | $184,000-25.6% | $162,185-15.6% | $152,909-10.5% |
| Participation rate | 88.9% | 88.5%+0.4pp | 87.6%+1.3pp | 82.5%+6.4pp |
| Annual return | 17.96% | 150.80%-132.8pp | 115.61%-97.6pp | 345.46%-327.5pp |
| Employer contribution / active EE | $4,324 | $6,370-32.1% | $5,613-23.0% | $4,764-9.2% |
| Participant deferral / active EE | $10,201 | $8,033+27.0% | $7,297+39.8% | $5,851+74.3% |
| Admin fee / account holder | $17,445 | $13,124+32.9% | $10,844+60.9% | $11,601+50.4% |