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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 | $85,608 | $160,040-46.5% | $147,096-41.8% | $145,877-41.3% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 16.49% | 98.49%-82.0pp | 419.75%-403.3pp | 551.28%-534.8pp |
| Employer contribution / active EE | $2,764 | $5,289-47.7% | $4,936-44.0% | $4,663-40.7% |
| Participant deferral / active EE | $4,482 | $8,429-46.8% | $8,071-44.5% | $6,691-33.0% |
| Admin fee / account holder | $725 | $15,050-95.2% | $13,005-94.4% | $13,402-94.6% |