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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 | $127,984 | $209,422-38.9% | $178,503-28.3% | $158,982-19.5% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 17.88% | 188.81%-170.9pp | 151.12%-133.2pp | 302.99%-285.1pp |
| Employer contribution / active EE | $3,623 | $5,707-36.5% | $5,011-27.7% | $4,763-23.9% |
| Participant deferral / active EE | $6,895 | $5,955+15.8% | $5,202+32.5% | $5,983+15.2% |
| Admin fee / account holder | $6,374 | $17,079-62.7% | $13,987-54.4% | $11,252-43.3% |