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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 | $87,886 | $160,070-45.1% | $147,117-40.3% | $145,897-39.8% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 14.95% | 98.69%-83.7pp | 420.54%-405.6pp | 552.29%-537.3pp |
| Employer contribution / active EE | $5,790 | $5,285+9.6% | $4,932+17.4% | $4,663+24.2% |
| Participant deferral / active EE | $16,321 | $8,419+93.8% | $8,065+102.4% | $6,689+144.0% |
| Admin fee / account holder | $1,984 | $15,035-86.8% | $12,993-84.7% | $13,390-85.2% |