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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 | $139,517 | $159,934-12.8% | $147,005-5.1% | $145,959-4.4% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.2pp |
| Annual return | 36.39% | 98.24%-61.9pp | 418.76%-382.4pp | 561.95%-525.6pp |
| Employer contribution / active EE | $2,983 | $5,287-43.6% | $4,934-39.5% | $4,661-36.0% |
| Participant deferral / active EE | $7,989 | $8,427-5.2% | $8,070-1.0% | $6,689+19.4% |
| Admin fee / account holder | $640 | $15,053-95.7% | $13,006-95.1% | $13,398-95.2% |