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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 | $47,882 | $209,425-77.1% | $178,499-73.2% | $158,966-69.9% |
| Participation rate | 90.9% | 86.4%+4.6pp | 81.9%+9.0pp | 82.0%+8.9pp |
| Annual return | 30.43% | 188.80%-158.4pp | 151.10%-120.7pp | 302.95%-272.5pp |
| Employer contribution / active EE | $5,787 | $5,707+1.4% | $5,011+15.5% | $4,762+21.5% |
| Participant deferral / active EE | $4,847 | $5,955-18.6% | $5,202-6.8% | $5,983-19.0% |
| Admin fee / account holder | $11,553 | $17,078-32.4% | $13,986-17.4% | $11,250+2.7% |