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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 | $107,304 | $160,028-32.9% | $147,080-27.0% | $145,884-26.4% |
| Participation rate | 84.6% | 84.0%+0.6pp | 82.2%+2.4pp | 80.3%+4.3pp |
| Annual return | 11.42% | 98.60%-87.2pp | 420.17%-408.7pp | 551.85%-540.4pp |
| Employer contribution / active EE | $2,128 | $5,286-59.7% | $4,933-56.9% | $4,662-54.4% |
| Participant deferral / active EE | $5,667 | $8,422-32.7% | $8,066-29.7% | $6,690-15.3% |
| Admin fee / account holder | $438 | $15,030-97.1% | $12,989-96.6% | $13,392-96.7% |