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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 | $151,883 | $209,422-27.5% | $178,503-14.9% | $158,982-4.5% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 18.23% | 188.81%-170.6pp | 151.12%-132.9pp | 302.99%-284.8pp |
| Employer contribution / active EE | $1,697 | $5,707-70.3% | $5,011-66.1% | $4,763-64.4% |
| Participant deferral / active EE | $6,994 | $5,955+17.5% | $5,202+34.4% | $5,983+16.9% |
| Admin fee / account holder | $4,143 | $17,079-75.7% | $13,987-70.4% | $11,252-63.2% |