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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 | $197,116 | $209,428-5.9% | $178,498+10.4% | $158,950+24.0% |
| Participation rate | 87.0% | 86.4%+0.6pp | 81.9%+5.0pp | 82.0%+5.0pp |
| Annual return | 18.49% | 188.78%-170.3pp | 151.09%-132.6pp | 302.91%-284.4pp |
| Employer contribution / active EE | $1,809 | $5,707-68.3% | $5,011-63.9% | $4,762-62.0% |
| Participant deferral / active EE | $5,677 | $5,955-4.7% | $5,202+9.1% | $5,983-5.1% |
| Admin fee / account holder | $8,654 | $17,077-49.3% | $13,985-38.1% | $11,248-23.1% |