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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 | $126,864 | $209,425-39.4% | $178,499-28.9% | $158,966-20.2% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 9.78% | 188.80%-179.0pp | 151.10%-141.3pp | 302.95%-293.2pp |
| Employer contribution / active EE | $6,165 | $5,707+8.0% | $5,011+23.0% | $4,762+29.5% |
| Participant deferral / active EE | $3,000 | $5,955-49.6% | $5,202-42.3% | $5,983-49.9% |
| Admin fee / account holder | $1,906 | $17,078-88.8% | $13,986-86.4% | $11,250-83.1% |