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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 | $95,470 | $160,040-40.3% | $147,096-35.1% | $145,877-34.6% |
| Participation rate | 70.0% | 84.0%-14.0pp | 82.2%-12.2pp | 80.3%-10.3pp |
| Annual return | 9.68% | 98.49%-88.8pp | 419.75%-410.1pp | 551.28%-541.6pp |
| Employer contribution / active EE | $3,633 | $5,289-31.3% | $4,936-26.4% | $4,663-22.1% |
| Participant deferral / active EE | $7,767 | $8,429-7.9% | $8,071-3.8% | $6,691+16.1% |
| Admin fee / account holder | $10,191 | $15,050-32.3% | $13,005-21.6% | $13,402-24.0% |