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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 | $107,466 | $160,028-32.8% | $147,080-26.9% | $145,884-26.3% |
| Participation rate | 94.4% | 84.0%+10.4pp | 82.2%+12.3pp | 80.3%+14.1pp |
| Annual return | 11.99% | 98.60%-86.6pp | 420.17%-408.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $2,479 | $5,286-53.1% | $4,933-49.7% | $4,662-46.8% |
| Participant deferral / active EE | $7,040 | $8,422-16.4% | $8,066-12.7% | $6,690+5.2% |
| Admin fee / account holder | $644 | $15,030-95.7% | $12,989-95.0% | $13,392-95.2% |