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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 | $136,804 | $144,130-5.1% | $117,860+16.1% | $147,585-7.3% |
| Participation rate | 73.7% | 83.4%-9.7pp | 79.7%-6.0pp | 82.8%-9.1pp |
| Annual return | 14.29% | 531.20%-516.9pp | 335.10%-320.8pp | 578.58%-564.3pp |
| Employer contribution / active EE | $2,896 | $4,897-40.9% | $3,786-23.5% | $4,876-40.6% |
| Participant deferral / active EE | $5,940 | $5,316+11.7% | $4,482+32.5% | $5,439+9.2% |
| Admin fee / account holder | $1,399 | $10,887-87.2% | $8,021-82.6% | $10,886-87.1% |