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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 | $120,073 | $209,428-42.7% | $178,498-32.7% | $158,950-24.5% |
| Participation rate | 90.9% | 86.4%+4.6pp | 81.9%+9.0pp | 82.0%+8.9pp |
| Annual return | 17.75% | 188.78%-171.0pp | 151.09%-133.3pp | 302.91%-285.2pp |
| Employer contribution / active EE | $4,663 | $5,707-18.3% | $5,011-6.9% | $4,762-2.1% |
| Participant deferral / active EE | $2,761 | $5,955-53.6% | $5,202-46.9% | $5,983-53.9% |
| Admin fee / account holder | $977 | $17,077-94.3% | $13,985-93.0% | $11,248-91.3% |