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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 | $136,388 | $160,070-14.8% | $147,117-7.3% | $145,897-6.5% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | 17.75% | 98.69%-80.9pp | 420.54%-402.8pp | 552.29%-534.5pp |
| Employer contribution / active EE | $9,472 | $5,285+79.2% | $4,932+92.0% | $4,663+103.2% |
| Participant deferral / active EE | $16,139 | $8,419+91.7% | $8,065+100.1% | $6,689+141.3% |
| Admin fee / account holder | $10,573 | $15,035-29.7% | $12,993-18.6% | $13,390-21.0% |