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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 | $110,616 | $160,028-30.9% | $147,080-24.8% | $145,884-24.2% |
| Participation rate | 91.3% | 84.0%+7.3pp | 82.2%+9.1pp | 80.3%+11.0pp |
| Annual return | 18.00% | 98.60%-80.6pp | 420.17%-402.2pp | 551.85%-533.8pp |
| Employer contribution / active EE | $5,388 | $5,286+1.9% | $4,933+9.2% | $4,662+15.6% |
| Participant deferral / active EE | $5,860 | $8,422-30.4% | $8,066-27.4% | $6,690-12.4% |
| Admin fee / account holder | $1,301 | $15,030-91.3% | $12,989-90.0% | $13,392-90.3% |