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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 | $142,498 | $176,105-19.1% | $159,474-10.6% | $167,536-14.9% |
| Participation rate | 94.4% | 85.0%+9.5pp | 82.8%+11.6pp | 82.1%+12.3pp |
| Annual return | 17.06% | 331.91%-314.8pp | 263.68%-246.6pp | 478.82%-461.8pp |
| Employer contribution / active EE | $7,721 | $5,299+45.7% | $4,831+59.8% | $4,839+59.6% |
| Participant deferral / active EE | $6,524 | $7,751-15.8% | $7,353-11.3% | $6,342+2.9% |
| Admin fee / account holder | $2,501 | $12,559-80.1% | $10,802-76.8% | $12,315-79.7% |