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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 | $138,465 | $160,028-13.5% | $147,080-5.9% | $145,884-5.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 19.71% | 98.60%-78.9pp | 420.17%-400.5pp | 551.85%-532.1pp |
| Employer contribution / active EE | $2,346 | $5,286-55.6% | $4,933-52.5% | $4,662-49.7% |
| Participant deferral / active EE | $7,006 | $8,422-16.8% | $8,066-13.1% | $6,690+4.7% |
| Admin fee / account holder | $791 | $15,030-94.7% | $12,989-93.9% | $13,392-94.1% |