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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 | $44,259 | $176,105-74.9% | $159,474-72.2% | $167,536-73.6% |
| Participation rate | 84.6% | 85.0%-0.3pp | 82.8%+1.8pp | 82.1%+2.5pp |
| Annual return | 13.49% | 331.91%-318.4pp | 263.68%-250.2pp | 478.82%-465.3pp |
| Employer contribution / active EE | $4,450 | $5,299-16.0% | $4,831-7.9% | $4,839-8.0% |
| Participant deferral / active EE | $8,010 | $7,751+3.3% | $7,353+8.9% | $6,342+26.3% |
| Admin fee / account holder | $8,106 | $12,559-35.5% | $10,802-25.0% | $12,315-34.2% |