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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 | $57,790 | $160,070-63.9% | $147,117-60.7% | $145,897-60.4% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 13.38% | 98.69%-85.3pp | 420.54%-407.2pp | 552.29%-538.9pp |
| Employer contribution / active EE | $3,346 | $5,285-36.7% | $4,932-32.2% | $4,663-28.2% |
| Participant deferral / active EE | $7,812 | $8,419-7.2% | $8,065-3.1% | $6,689+16.8% |
| Admin fee / account holder | $395 | $15,035-97.4% | $12,993-97.0% | $13,390-97.1% |