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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 | $137,219 | $160,070-14.3% | $147,117-6.7% | $145,897-5.9% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 12.34% | 98.69%-86.3pp | 420.54%-408.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $3,528 | $5,285-33.2% | $4,932-28.5% | $4,663-24.3% |
| Participant deferral / active EE | $10,374 | $8,419+23.2% | $8,065+28.6% | $6,689+55.1% |
| Admin fee / account holder | $2,196 | $15,035-85.4% | $12,993-83.1% | $13,390-83.6% |