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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 | $140,694 | $105,158+33.8% | $94,672+48.6% | $139,487+0.9% |
| Participation rate | 93.8% | 82.4%+11.4pp | 80.8%+12.9pp | 80.3%+13.4pp |
| Annual return | 13.31% | 38.11%-24.8pp | 156.89%-143.6pp | 373.84%-360.5pp |
| Employer contribution / active EE | $3,779 | $4,107-8.0% | $3,673+2.9% | $4,755-20.5% |
| Participant deferral / active EE | $11,119 | $7,599+46.3% | $7,417+49.9% | $6,713+65.6% |
| Admin fee / account holder | $4,645 | $8,972-48.2% | $7,222-35.7% | $11,407-59.3% |