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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 | $170,517 | $150,412+13.4% | $120,574+41.4% | $145,884+16.9% |
| Participation rate | 94.1% | 78.8%+15.3pp | 71.9%+22.2pp | 80.3%+13.8pp |
| Annual return | 19.21% | 154.50%-135.3pp | 107.42%-88.2pp | 551.85%-532.6pp |
| Employer contribution / active EE | $7,446 | $4,355+71.0% | $3,471+114.5% | $4,662+59.7% |
| Participant deferral / active EE | $9,760 | $6,175+58.0% | $4,996+95.4% | $6,690+45.9% |
| Admin fee / account holder | $2,866 | $12,224-76.6% | $9,445-69.7% | $13,392-78.6% |