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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 | $124,330 | $209,422-40.6% | $178,503-30.3% | $158,982-21.8% |
| Participation rate | 93.3% | 86.4%+7.0pp | 81.9%+11.4pp | 82.0%+11.4pp |
| Annual return | 6.86% | 188.81%-182.0pp | 151.12%-144.3pp | 302.99%-296.1pp |
| Employer contribution / active EE | $4,436 | $5,707-22.3% | $5,011-11.5% | $4,763-6.9% |
| Participant deferral / active EE | $6,504 | $5,955+9.2% | $5,202+25.0% | $5,983+8.7% |
| Admin fee / account holder | $9,041 | $17,079-47.1% | $13,987-35.4% | $11,252-19.6% |