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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 | $111,362 | $166,020-32.9% | $164,866-32.5% | $145,959-23.7% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.6%+10.3pp | 80.3%+8.6pp |
| Annual return | 9.82% | 100.08%-90.3pp | 69.97%-60.2pp | 561.95%-552.1pp |
| Employer contribution / active EE | $3,590 | $5,275-31.9% | $4,343-17.3% | $4,661-23.0% |
| Participant deferral / active EE | $9,745 | $6,961+40.0% | $6,033+61.5% | $6,689+45.7% |
| Admin fee / account holder | $4,921 | $16,644-70.4% | $12,689-61.2% | $13,398-63.3% |