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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 | $139,017 | $160,040-13.1% | $147,096-5.5% | $145,877-4.7% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 25.15% | 98.49%-73.3pp | 419.75%-394.6pp | 551.28%-526.1pp |
| Employer contribution / active EE | $6,930 | $5,289+31.0% | $4,936+40.4% | $4,663+48.6% |
| Participant deferral / active EE | $15,695 | $8,429+86.2% | $8,071+94.5% | $6,691+134.6% |
| Admin fee / account holder | $1,598 | $15,050-89.4% | $13,005-87.7% | $13,402-88.1% |