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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 | $123,099 | $160,040-23.1% | $147,096-16.3% | $145,877-15.6% |
| Participation rate | 88.2% | 84.0%+4.2pp | 82.2%+6.1pp | 80.3%+7.9pp |
| Annual return | 10.50% | 98.49%-88.0pp | 419.75%-409.2pp | 551.28%-540.8pp |
| Employer contribution / active EE | $4,310 | $5,289-18.5% | $4,936-12.7% | $4,663-7.6% |
| Participant deferral / active EE | $8,698 | $8,429+3.2% | $8,071+7.8% | $6,691+30.0% |
| Admin fee / account holder | $1,202 | $15,050-92.0% | $13,005-90.8% | $13,402-91.0% |