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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 | $116,154 | $184,000-36.9% | $162,185-28.4% | $152,909-24.0% |
| Participation rate | 95.2% | 88.5%+6.7pp | 87.6%+7.7pp | 82.5%+12.8pp |
| Annual return | 13.46% | 150.80%-137.3pp | 115.61%-102.2pp | 345.46%-332.0pp |
| Employer contribution / active EE | $5,660 | $6,370-11.1% | $5,613+0.8% | $4,764+18.8% |
| Participant deferral / active EE | $3,866 | $8,033-51.9% | $7,297-47.0% | $5,851-33.9% |
| Admin fee / account holder | $1,317 | $13,124-90.0% | $10,844-87.9% | $11,601-88.6% |