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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 | $128,527 | $112,933+13.8% | $90,970+41.3% | $158,982-19.2% |
| Participation rate | 84.6% | 74.7%+9.9pp | 69.0%+15.6pp | 82.0%+2.6pp |
| Annual return | 13.76% | 215.82%-202.1pp | 134.60%-120.8pp | 302.99%-289.2pp |
| Employer contribution / active EE | $5,216 | $2,893+80.3% | $2,122+145.8% | $4,763+9.5% |
| Participant deferral / active EE | $12,610 | $4,128+205.5% | $3,373+273.9% | $5,983+110.8% |
| Admin fee / account holder | $1,708 | $8,047-78.8% | $5,961-71.3% | $11,252-84.8% |