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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 | $239,830 | $209,425+14.5% | $178,499+34.4% | $158,966+50.9% |
| Participation rate | 95.0% | 86.4%+8.6pp | 81.9%+13.1pp | 82.0%+13.0pp |
| Annual return | 16.35% | 188.80%-172.4pp | 151.10%-134.8pp | 302.95%-286.6pp |
| Employer contribution / active EE | $3,713 | $5,707-35.0% | $5,011-25.9% | $4,762-22.0% |
| Participant deferral / active EE | $4,732 | $5,955-20.5% | $5,202-9.0% | $5,983-20.9% |
| Admin fee / account holder | $42,571 | $17,078+149.3% | $13,986+204.4% | $11,250+278.4% |