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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 | $153,454 | $160,070-4.1% | $147,117+4.3% | $145,897+5.2% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 20.23% | 98.69%-78.5pp | 420.54%-400.3pp | 552.29%-532.1pp |
| Employer contribution / active EE | $1,192 | $5,285-77.5% | $4,932-75.8% | $4,663-74.4% |
| Participant deferral / active EE | $5,007 | $8,419-40.5% | $8,065-37.9% | $6,689-25.1% |
| Admin fee / account holder | $3,314 | $15,035-78.0% | $12,993-74.5% | $13,390-75.3% |