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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 | $124,398 | $160,028-22.3% | $147,080-15.4% | $145,884-14.7% |
| Participation rate | 77.3% | 84.0%-6.7pp | 82.2%-4.9pp | 80.3%-3.0pp |
| Annual return | 19.47% | 98.60%-79.1pp | 420.17%-400.7pp | 551.85%-532.4pp |
| Employer contribution / active EE | $5,988 | $5,286+13.3% | $4,933+21.4% | $4,662+28.4% |
| Participant deferral / active EE | $8,976 | $8,422+6.6% | $8,066+11.3% | $6,690+34.2% |
| Admin fee / account holder | $3,946 | $15,030-73.7% | $12,989-69.6% | $13,392-70.5% |