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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 | $135,709 | $160,028-15.2% | $147,080-7.7% | $145,884-7.0% |
| Participation rate | 70.6% | 84.0%-13.4pp | 82.2%-11.6pp | 80.3%-9.7pp |
| Annual return | 20.88% | 98.60%-77.7pp | 420.17%-399.3pp | 551.85%-531.0pp |
| Employer contribution / active EE | $3,343 | $5,286-36.8% | $4,933-32.2% | $4,662-28.3% |
| Participant deferral / active EE | $6,949 | $8,422-17.5% | $8,066-13.9% | $6,690+3.9% |
| Admin fee / account holder | $24,760 | $15,030+64.7% | $12,989+90.6% | $13,392+84.9% |