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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 | $129,821 | $160,028-18.9% | $147,080-11.7% | $145,884-11.0% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 14.74% | 98.60%-83.9pp | 420.17%-405.4pp | 551.85%-537.1pp |
| Employer contribution / active EE | $4,116 | $5,286-22.1% | $4,933-16.6% | $4,662-11.7% |
| Participant deferral / active EE | $16,878 | $8,422+100.4% | $8,066+109.2% | $6,690+152.3% |
| Admin fee / account holder | $19,115 | $15,030+27.2% | $12,989+47.2% | $13,392+42.7% |