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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 | $118,438 | $176,120-32.8% | $159,487-25.7% | $167,553-29.3% |
| Participation rate | 87.5% | 85.0%+2.5pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 16.59% | 331.95%-315.4pp | 263.71%-247.1pp | 478.89%-462.3pp |
| Employer contribution / active EE | $1,532 | $5,299-71.1% | $4,831-68.3% | $4,840-68.3% |
| Participant deferral / active EE | $12,851 | $7,752+65.8% | $7,354+74.8% | $6,343+102.6% |
| Admin fee / account holder | $12,010 | $12,561-4.4% | $10,804+11.2% | $12,316-2.5% |