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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 | $75,276 | $209,422-64.1% | $178,503-57.8% | $158,982-52.7% |
| Participation rate | 86.7% | 86.4%+0.3pp | 81.9%+4.7pp | 82.0%+4.7pp |
| Annual return | 11.00% | 188.81%-177.8pp | 151.12%-140.1pp | 302.99%-292.0pp |
| Employer contribution / active EE | $4,038 | $5,707-29.2% | $5,011-19.4% | $4,763-15.2% |
| Participant deferral / active EE | $7,915 | $5,955+32.9% | $5,202+52.1% | $5,983+32.3% |
| Admin fee / account holder | $5,704 | $17,079-66.6% | $13,987-59.2% | $11,252-49.3% |