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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 | $160,028-14.3% | $147,080-6.7% | $145,884-5.9% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 12.34% | 98.60%-86.3pp | 420.17%-407.8pp | 551.85%-539.5pp |
| Employer contribution / active EE | $3,528 | $5,286-33.3% | $4,933-28.5% | $4,662-24.3% |
| Participant deferral / active EE | $10,374 | $8,422+23.2% | $8,066+28.6% | $6,690+55.1% |
| Admin fee / account holder | $2,196 | $15,030-85.4% | $12,989-83.1% | $13,392-83.6% |