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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 | $95,880 | $160,028-40.1% | $147,080-34.8% | $145,884-34.3% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 13.01% | 98.60%-85.6pp | 420.17%-407.2pp | 551.85%-538.8pp |
| Employer contribution / active EE | $2,476 | $5,286-53.2% | $4,933-49.8% | $4,662-46.9% |
| Participant deferral / active EE | $9,778 | $8,422+16.1% | $8,066+21.2% | $6,690+46.2% |
| Admin fee / account holder | $375 | $15,030-97.5% | $12,989-97.1% | $13,392-97.2% |