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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 | $128,285 | $160,070-19.9% | $147,117-12.8% | $145,897-12.1% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 13.81% | 98.69%-84.9pp | 420.54%-406.7pp | 552.29%-538.5pp |
| Employer contribution / active EE | $2,344 | $5,285-55.6% | $4,932-52.5% | $4,663-49.7% |
| Participant deferral / active EE | $3,049 | $8,419-63.8% | $8,065-62.2% | $6,689-54.4% |
| Admin fee / account holder | $899 | $15,035-94.0% | $12,993-93.1% | $13,390-93.3% |