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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 | $225,186 | $209,422+7.5% | $178,503+26.2% | $158,982+41.6% |
| Participation rate | 71.4% | 86.4%-14.9pp | 81.9%-10.5pp | 82.0%-10.5pp |
| Annual return | 8.99% | 188.81%-179.8pp | 151.12%-142.1pp | 302.99%-294.0pp |
| Employer contribution / active EE | $1,581 | $5,707-72.3% | $5,011-68.5% | $4,763-66.8% |
| Participant deferral / active EE | $5,163 | $5,955-13.3% | $5,202-0.8% | $5,983-13.7% |
| Admin fee / account holder | $3,817 | $17,079-77.7% | $13,987-72.7% | $11,252-66.1% |