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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 | $121,975 | $160,028-23.8% | $147,080-17.1% | $145,884-16.4% |
| Participation rate | 85.7% | 84.0%+1.7pp | 82.2%+3.5pp | 80.3%+5.4pp |
| Annual return | 19.96% | 98.60%-78.6pp | 420.17%-400.2pp | 551.85%-531.9pp |
| Employer contribution / active EE | $4,045 | $5,286-23.5% | $4,933-18.0% | $4,662-13.3% |
| Participant deferral / active EE | $8,452 | $8,422+0.4% | $8,066+4.8% | $6,690+26.3% |
| Admin fee / account holder | $6,810 | $15,030-54.7% | $12,989-47.6% | $13,392-49.1% |