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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 | $112,246 | $160,028-29.9% | $147,080-23.7% | $145,884-23.1% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 23.58% | 98.60%-75.0pp | 420.17%-396.6pp | 551.85%-528.3pp |
| Employer contribution / active EE | $16,042 | $5,286+203.5% | $4,933+225.2% | $4,662+244.1% |
| Participant deferral / active EE | $18,986 | $8,422+125.4% | $8,066+135.4% | $6,690+183.8% |
| Admin fee / account holder | $1,161 | $15,030-92.3% | $12,989-91.1% | $13,392-91.3% |