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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 | $137,112 | $209,425-34.5% | $178,499-23.2% | $158,966-13.7% |
| Participation rate | 92.9% | 86.4%+6.5pp | 81.9%+10.9pp | 82.0%+10.9pp |
| Annual return | 14.07% | 188.80%-174.7pp | 151.10%-137.0pp | 302.95%-288.9pp |
| Employer contribution / active EE | $2,643 | $5,707-53.7% | $5,011-47.3% | $4,762-44.5% |
| Participant deferral / active EE | $7,440 | $5,955+24.9% | $5,202+43.0% | $5,983+24.3% |
| Admin fee / account holder | $420 | $17,078-97.5% | $13,986-97.0% | $11,250-96.3% |