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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 | $230,366 | $109,411+110.6% | $89,435+157.6% | $158,982+44.9% |
| Participation rate | 87.5% | 74.3%+13.2pp | 68.0%+19.5pp | 82.0%+5.5pp |
| Annual return | 18.85% | 345.68%-326.8pp | 245.55%-226.7pp | 302.99%-284.1pp |
| Employer contribution / active EE | $3,298 | $3,173+4.0% | $2,587+27.5% | $4,763-30.7% |
| Participant deferral / active EE | $8,728 | $4,600+89.8% | $3,890+124.4% | $5,983+45.9% |
| Admin fee / account holder | $4,309 | $6,159-30.0% | $4,884-11.8% | $11,252-61.7% |