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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 | $126,195 | $112,131+12.5% | $95,964+31.5% | $158,982-20.6% |
| Participation rate | 95.8% | 79.0%+16.8pp | 77.1%+18.7pp | 82.0%+13.9pp |
| Annual return | 17.82% | 171.19%-153.4pp | 91.64%-73.8pp | 302.99%-285.2pp |
| Employer contribution / active EE | $3,640 | $3,199+13.8% | $2,541+43.2% | $4,763-23.6% |
| Participant deferral / active EE | $10,129 | $4,784+111.7% | $4,167+143.1% | $5,983+69.3% |
| Admin fee / account holder | $3,894 | $10,136-61.6% | $6,797-42.7% | $11,252-65.4% |