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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 | $125,909 | $160,028-21.3% | $147,080-14.4% | $145,884-13.7% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.4pp | 80.3%+4.3pp |
| Annual return | 16.96% | 98.60%-81.6pp | 420.17%-403.2pp | 551.85%-534.9pp |
| Employer contribution / active EE | $5,640 | $5,286+6.7% | $4,933+14.3% | $4,662+21.0% |
| Participant deferral / active EE | $11,441 | $8,422+35.8% | $8,066+41.8% | $6,690+71.0% |
| Admin fee / account holder | $2,777 | $15,030-81.5% | $12,989-78.6% | $13,392-79.3% |