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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 | $186,773 | $209,422-10.8% | $178,503+4.6% | $158,982+17.5% |
| Participation rate | 93.3% | 86.4%+7.0pp | 81.9%+11.4pp | 82.0%+11.4pp |
| Annual return | 12.85% | 188.81%-176.0pp | 151.12%-138.3pp | 302.99%-290.1pp |
| Employer contribution / active EE | $7,227 | $5,707+26.6% | $5,011+44.2% | $4,763+51.7% |
| Participant deferral / active EE | $4,379 | $5,955-26.5% | $5,202-15.8% | $5,983-26.8% |
| Admin fee / account holder | $1,195 | $17,079-93.0% | $13,987-91.5% | $11,252-89.4% |