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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 | $149,008 | $209,428-28.8% | $178,498-16.5% | $158,950-6.3% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 13.44% | 188.78%-175.3pp | 151.09%-137.7pp | 302.91%-289.5pp |
| Employer contribution / active EE | $7,004 | $5,707+22.7% | $5,011+39.8% | $4,762+47.1% |
| Participant deferral / active EE | $7,159 | $5,955+20.2% | $5,202+37.6% | $5,983+19.7% |
| Admin fee / account holder | $1,219 | $17,077-92.9% | $13,985-91.3% | $11,248-89.2% |