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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 | $124,710 | $209,422-40.5% | $178,503-30.1% | $158,982-21.6% |
| Participation rate | 85.7% | 86.4%-0.6pp | 81.9%+3.8pp | 82.0%+3.7pp |
| Annual return | 14.70% | 188.81%-174.1pp | 151.12%-136.4pp | 302.99%-288.3pp |
| Employer contribution / active EE | $2,679 | $5,707-53.1% | $5,011-46.5% | $4,763-43.8% |
| Participant deferral / active EE | $10,894 | $5,955+82.9% | $5,202+109.4% | $5,983+82.1% |
| Admin fee / account holder | $973 | $17,079-94.3% | $13,987-93.0% | $11,252-91.4% |