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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 | $78,812 | $160,028-50.8% | $147,080-46.4% | $145,884-46.0% |
| Participation rate | 93.8% | 84.0%+9.7pp | 82.2%+11.6pp | 80.3%+13.4pp |
| Annual return | 15.33% | 98.60%-83.3pp | 420.17%-404.8pp | 551.85%-536.5pp |
| Employer contribution / active EE | $4,128 | $5,286-21.9% | $4,933-16.3% | $4,662-11.5% |
| Participant deferral / active EE | $8,235 | $8,422-2.2% | $8,066+2.1% | $6,690+23.1% |
| Admin fee / account holder | $21,985 | $15,030+46.3% | $12,989+69.3% | $13,392+64.2% |