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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 | $85,492 | $160,040-46.6% | $147,096-41.9% | $145,877-41.4% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 13.66% | 98.49%-84.8pp | 419.75%-406.1pp | 551.28%-537.6pp |
| Employer contribution / active EE | $2,870 | $5,289-45.7% | $4,936-41.9% | $4,663-38.5% |
| Participant deferral / active EE | $9,773 | $8,429+15.9% | $8,071+21.1% | $6,691+46.1% |
| Admin fee / account holder | $3,767 | $15,050-75.0% | $13,005-71.0% | $13,402-71.9% |