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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 | $159,934-21.3% | $147,005-14.4% | $145,959-13.7% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.5pp | 80.3%+4.3pp |
| Annual return | 16.96% | 98.24%-81.3pp | 418.76%-401.8pp | 561.95%-545.0pp |
| Employer contribution / active EE | $5,640 | $5,287+6.7% | $4,934+14.3% | $4,661+21.0% |
| Participant deferral / active EE | $11,441 | $8,427+35.8% | $8,070+41.8% | $6,689+71.0% |
| Admin fee / account holder | $2,777 | $15,053-81.6% | $13,006-78.6% | $13,398-79.3% |