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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 | $147,394 | $129,737+13.6% | $119,126+23.7% | $154,746-4.8% |
| Participation rate | 94.7% | 78.9%+15.9pp | 75.8%+19.0pp | 80.7%+14.0pp |
| Annual return | 15.90% | 379.08%-363.2pp | 282.11%-266.2pp | 172.34%-156.4pp |
| Employer contribution / active EE | $4,268 | $4,375-2.4% | $4,034+5.8% | $4,379-2.5% |
| Participant deferral / active EE | $15,136 | $5,842+159.1% | $5,318+184.6% | $6,730+124.9% |
| Admin fee / account holder | $998 | $11,961-91.7% | $10,693-90.7% | $14,365-93.1% |