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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 | $148,768 | $202,460-26.5% | $169,385-12.2% | $139,456+6.7% |
| Participation rate | 88.9% | 81.1%+7.8pp | 77.2%+11.7pp | 80.3%+8.6pp |
| Annual return | 22.74% | 532.07%-509.3pp | 405.82%-383.1pp | 373.45%-350.7pp |
| Employer contribution / active EE | $1,734 | $4,691-63.0% | $4,012-56.8% | $4,753-63.5% |
| Participant deferral / active EE | $8,135 | $6,938+17.3% | $6,221+30.8% | $6,711+21.2% |
| Admin fee / account holder | $1,828 | $10,719-82.9% | $9,011-79.7% | $11,407-84.0% |