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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 | $106,939 | $160,028-33.2% | $147,080-27.3% | $145,884-26.7% |
| Participation rate | 78.3% | 84.0%-5.8pp | 82.2%-3.9pp | 80.3%-2.0pp |
| Annual return | 13.05% | 98.60%-85.5pp | 420.17%-407.1pp | 551.85%-538.8pp |
| Employer contribution / active EE | $4,042 | $5,286-23.5% | $4,933-18.1% | $4,662-13.3% |
| Participant deferral / active EE | $9,138 | $8,422+8.5% | $8,066+13.3% | $6,690+36.6% |
| Admin fee / account holder | $3,220 | $15,030-78.6% | $12,989-75.2% | $13,392-76.0% |