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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 | $193,407 | $132,634+45.8% | $115,768+67.1% | $137,256+40.9% |
| Participation rate | 90.0% | 77.9%+12.1pp | 74.4%+15.6pp | 80.0%+10.0pp |
| Annual return | 12.52% | 160.70%-148.2pp | 100.46%-87.9pp | 220.34%-207.8pp |
| Employer contribution / active EE | $13,778 | $3,360+310.1% | $2,940+368.7% | $4,156+231.5% |
| Participant deferral / active EE | $7,439 | $5,619+32.4% | $4,917+51.3% | $6,407+16.1% |
| Admin fee / account holder | $8,165 | $15,028-45.7% | $12,439-34.4% | $12,270-33.5% |