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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 | $55,858 | $160,028-65.1% | $147,080-62.0% | $145,884-61.7% |
| Participation rate | 85.0% | 84.0%+1.0pp | 82.2%+2.8pp | 80.3%+4.7pp |
| Annual return | 20.89% | 98.60%-77.7pp | 420.17%-399.3pp | 551.85%-531.0pp |
| Employer contribution / active EE | $4,798 | $5,286-9.2% | $4,933-2.7% | $4,662+2.9% |
| Participant deferral / active EE | $9,787 | $8,422+16.2% | $8,066+21.3% | $6,690+46.3% |
| Admin fee / account holder | $3,778 | $15,030-74.9% | $12,989-70.9% | $13,392-71.8% |