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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 | $124,892 | $107,363+16.3% | $92,909+34.4% | $152,897-18.3% |
| Participation rate | 71.4% | 79.8%-8.4pp | 76.0%-4.6pp | 82.5%-11.0pp |
| Annual return | 19.52% | 145.63%-126.1pp | 109.44%-89.9pp | 345.43%-325.9pp |
| Employer contribution / active EE | $4,870 | $4,222+15.3% | $3,653+33.3% | $4,764+2.2% |
| Participant deferral / active EE | $2,444 | $4,848-49.6% | $4,238-42.3% | $5,851-58.2% |
| Admin fee / account holder | $6,145 | $7,082-13.2% | $5,795+6.0% | $11,599-47.0% |