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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 | $130,265 | $166,268-21.7% | $165,100-21.1% | $145,897-10.7% |
| Participation rate | 80.0% | 82.0%-2.0pp | 78.6%+1.4pp | 80.3%-0.3pp |
| Annual return | 40.41% | 100.52%-60.1pp | 70.21%-29.8pp | 552.29%-511.9pp |
| Employer contribution / active EE | $4,298 | $5,284-18.7% | $4,348-1.1% | $4,663-7.8% |
| Participant deferral / active EE | $12,141 | $6,964+74.3% | $6,035+101.2% | $6,689+81.5% |
| Admin fee / account holder | $12,294 | $16,659-26.2% | $12,696-3.2% | $13,390-8.2% |