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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 | $123,118 | $176,105-30.1% | $159,474-22.8% | $167,536-26.5% |
| Participation rate | 83.3% | 85.0%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 11.21% | 331.91%-320.7pp | 263.68%-252.5pp | 478.82%-467.6pp |
| Employer contribution / active EE | $4,398 | $5,299-17.0% | $4,831-9.0% | $4,839-9.1% |
| Participant deferral / active EE | $10,554 | $7,751+36.2% | $7,353+43.5% | $6,342+66.4% |
| Admin fee / account holder | $1,163 | $12,559-90.7% | $10,802-89.2% | $12,315-90.6% |