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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 | $160,028-12.8% | $147,080-5.1% | $145,884-4.4% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 36.39% | 98.60%-62.2pp | 420.17%-383.8pp | 551.85%-515.5pp |
| Employer contribution / active EE | $2,983 | $5,286-43.6% | $4,933-39.5% | $4,662-36.0% |
| Participant deferral / active EE | $7,989 | $8,422-5.1% | $8,066-1.0% | $6,690+19.4% |
| Admin fee / account holder | $640 | $15,030-95.7% | $12,989-95.1% | $13,392-95.2% |