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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 | $85,173 | $160,028-46.8% | $147,080-42.1% | $145,884-41.6% |
| Participation rate | 92.3% | 84.0%+8.3pp | 82.2%+10.1pp | 80.3%+12.0pp |
| Annual return | 22.12% | 98.60%-76.5pp | 420.17%-398.1pp | 551.85%-529.7pp |
| Employer contribution / active EE | $8,529 | $5,286+61.4% | $4,933+72.9% | $4,662+82.9% |
| Participant deferral / active EE | $15,884 | $8,422+88.6% | $8,066+96.9% | $6,690+137.4% |
| Admin fee / account holder | $11,003 | $15,030-26.8% | $12,989-15.3% | $13,392-17.8% |