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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 | $208,496 | $160,070+30.3% | $147,117+41.7% | $145,897+42.9% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 17.23% | 98.69%-81.5pp | 420.54%-403.3pp | 552.29%-535.1pp |
| Employer contribution / active EE | $4,515 | $5,285-14.6% | $4,932-8.5% | $4,663-3.2% |
| Participant deferral / active EE | $10,490 | $8,419+24.6% | $8,065+30.1% | $6,689+56.8% |
| Admin fee / account holder | $2,718 | $15,035-81.9% | $12,993-79.1% | $13,390-79.7% |