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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 | $128,348 | $160,028-19.8% | $147,080-12.7% | $145,884-12.0% |
| Participation rate | 77.8% | 84.0%-6.2pp | 82.2%-4.4pp | 80.3%-2.5pp |
| Annual return | 15.92% | 98.60%-82.7pp | 420.17%-404.3pp | 551.85%-535.9pp |
| Employer contribution / active EE | $1,744 | $5,286-67.0% | $4,933-64.6% | $4,662-62.6% |
| Participant deferral / active EE | $13,951 | $8,422+65.6% | $8,066+73.0% | $6,690+108.5% |
| Admin fee / account holder | $11,102 | $15,030-26.1% | $12,989-14.5% | $13,392-17.1% |