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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 | $142,422 | $160,040-11.0% | $147,096-3.2% | $145,877-2.4% |
| Participation rate | 72.2% | 84.0%-11.8pp | 82.2%-10.0pp | 80.3%-8.1pp |
| Annual return | 13.31% | 98.49%-85.2pp | 419.75%-406.4pp | 551.28%-538.0pp |
| Employer contribution / active EE | $13,442 | $5,289+154.1% | $4,936+172.3% | $4,663+188.3% |
| Participant deferral / active EE | $8,408 | $8,429-0.3% | $8,071+4.2% | $6,691+25.7% |
| Admin fee / account holder | $473 | $15,050-96.9% | $13,005-96.4% | $13,402-96.5% |