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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 | $123,286 | $209,422-41.1% | $178,503-30.9% | $158,982-22.5% |
| Participation rate | 95.0% | 86.4%+8.6pp | 81.9%+13.1pp | 82.0%+13.0pp |
| Annual return | 10.99% | 188.81%-177.8pp | 151.12%-140.1pp | 302.99%-292.0pp |
| Employer contribution / active EE | $2,891 | $5,707-49.3% | $5,011-42.3% | $4,763-39.3% |
| Participant deferral / active EE | $7,134 | $5,955+19.8% | $5,202+37.1% | $5,983+19.2% |
| Admin fee / account holder | $4,001 | $17,079-76.6% | $13,987-71.4% | $11,252-64.4% |