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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 | $202,898 | $160,028+26.8% | $147,080+38.0% | $145,884+39.1% |
| Participation rate | 91.7% | 84.0%+7.6pp | 82.2%+9.5pp | 80.3%+11.4pp |
| Annual return | 17.41% | 98.60%-81.2pp | 420.17%-402.8pp | 551.85%-534.4pp |
| Employer contribution / active EE | $3,126 | $5,286-40.9% | $4,933-36.6% | $4,662-33.0% |
| Participant deferral / active EE | $10,944 | $8,422+29.9% | $8,066+35.7% | $6,690+63.6% |
| Admin fee / account holder | $699 | $15,030-95.3% | $12,989-94.6% | $13,392-94.8% |