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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 | $137,998 | $111,535+23.7% | $105,223+31.1% | $137,256+0.5% |
| Participation rate | 95.7% | 78.1%+17.6pp | 75.0%+20.6pp | 80.0%+15.7pp |
| Annual return | 18.83% | 237.85%-219.0pp | 180.65%-161.8pp | 220.34%-201.5pp |
| Employer contribution / active EE | $9,289 | $3,939+135.8% | $3,689+151.8% | $4,156+123.5% |
| Participant deferral / active EE | $6,934 | $5,500+26.1% | $5,072+36.7% | $6,407+8.2% |
| Admin fee / account holder | $8,814 | $9,721-9.3% | $8,859-0.5% | $12,270-28.2% |