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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 | $127,628 | $160,070-20.3% | $147,117-13.2% | $145,897-12.5% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 15.21% | 98.69%-83.5pp | 420.54%-405.3pp | 552.29%-537.1pp |
| Employer contribution / active EE | $2,248 | $5,285-57.5% | $4,932-54.4% | $4,663-51.8% |
| Participant deferral / active EE | $5,380 | $8,419-36.1% | $8,065-33.3% | $6,689-19.6% |
| Admin fee / account holder | $971 | $15,035-93.5% | $12,993-92.5% | $13,390-92.7% |