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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 | $156,344 | $209,422-25.3% | $178,503-12.4% | $158,982-1.7% |
| Participation rate | 94.7% | 86.4%+8.4pp | 81.9%+12.8pp | 82.0%+12.8pp |
| Annual return | 18.90% | 188.81%-169.9pp | 151.12%-132.2pp | 302.99%-284.1pp |
| Employer contribution / active EE | $7,493 | $5,707+31.3% | $5,011+49.5% | $4,763+57.3% |
| Participant deferral / active EE | $4,003 | $5,955-32.8% | $5,202-23.1% | $5,983-33.1% |
| Admin fee / account holder | $615 | $17,079-96.4% | $13,987-95.6% | $11,252-94.5% |