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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 | $129,403 | $176,120-26.5% | $159,487-18.9% | $167,553-22.8% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 14.83% | 331.95%-317.1pp | 263.71%-248.9pp | 478.89%-464.1pp |
| Employer contribution / active EE | $4,027 | $5,299-24.0% | $4,831-16.6% | $4,840-16.8% |
| Participant deferral / active EE | $9,722 | $7,752+25.4% | $7,354+32.2% | $6,343+53.3% |
| Admin fee / account holder | $20,412 | $12,561+62.5% | $10,804+88.9% | $12,316+65.7% |