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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 | $160,860 | $209,405-23.2% | $178,486-9.9% | $158,931+1.2% |
| Participation rate | 94.1% | 86.4%+7.8pp | 81.9%+12.2pp | 82.0%+12.2pp |
| Annual return | 16.99% | 188.77%-171.8pp | 151.08%-134.1pp | 302.86%-285.9pp |
| Employer contribution / active EE | $2,252 | $5,707-60.5% | $5,011-55.1% | $4,761-52.7% |
| Participant deferral / active EE | $6,057 | $5,954+1.7% | $5,202+16.4% | $5,982+1.2% |
| Admin fee / account holder | $2,101 | $17,076-87.7% | $13,985-85.0% | $11,247-81.3% |