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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 | $72,732 | $160,028-54.6% | $147,080-50.5% | $145,884-50.1% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.8pp | 80.3%-8.9pp |
| Annual return | 20.74% | 98.60%-77.9pp | 420.17%-399.4pp | 551.85%-531.1pp |
| Employer contribution / active EE | $5,027 | $5,286-4.9% | $4,933+1.9% | $4,662+7.8% |
| Participant deferral / active EE | $15,620 | $8,422+85.5% | $8,066+93.6% | $6,690+133.5% |
| Admin fee / account holder | $20,852 | $15,030+38.7% | $12,989+60.5% | $13,392+55.7% |