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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 | $87,826 | $162,136-45.8% | $152,301-42.3% | $154,746-43.2% |
| Participation rate | 87.5% | 84.1%+3.4pp | 82.4%+5.1pp | 80.7%+6.8pp |
| Annual return | 98.05% | 91.02%+7.0pp | 80.50%+17.6pp | 172.34%-74.3pp |
| Employer contribution / active EE | $6,766 | $4,890+38.4% | $4,624+46.3% | $4,379+54.5% |
| Participant deferral / active EE | $18,912 | $8,341+126.7% | $8,004+136.3% | $6,730+181.0% |
| Admin fee / account holder | $2,032 | $15,759-87.1% | $14,398-85.9% | $14,365-85.9% |