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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 | $146,394 | $176,105-16.9% | $159,474-8.2% | $167,536-12.6% |
| Participation rate | 94.7% | 85.0%+9.8pp | 82.8%+11.9pp | 82.1%+12.6pp |
| Annual return | 13.49% | 331.91%-318.4pp | 263.68%-250.2pp | 478.82%-465.3pp |
| Employer contribution / active EE | $9,927 | $5,299+87.3% | $4,831+105.5% | $4,839+105.2% |
| Participant deferral / active EE | $5,345 | $7,751-31.0% | $7,353-27.3% | $6,342-15.7% |
| Admin fee / account holder | $4,739 | $12,559-62.3% | $10,802-56.1% | $12,315-61.5% |