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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 | $188,897 | $134,817+40.1% | $123,973+52.4% | $155,188+21.7% |
| Participation rate | 70.8% | 79.4%-8.6pp | 76.7%-5.8pp | 80.8%-10.0pp |
| Annual return | 18.11% | 515.49%-497.4pp | 388.13%-370.0pp | 148.84%-130.7pp |
| Employer contribution / active EE | $7,069 | $4,425+59.7% | $4,126+71.3% | $4,248+66.4% |
| Participant deferral / active EE | $5,574 | $5,706-2.3% | $5,247+6.2% | $6,531-14.7% |
| Admin fee / account holder | $980 | $13,245-92.6% | $11,799-91.7% | $14,480-93.2% |