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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 | $142,989 | $166,268-14.0% | $165,100-13.4% | $145,897-2.0% |
| Participation rate | 76.2% | 82.0%-5.8pp | 78.6%-2.4pp | 80.3%-4.1pp |
| Annual return | 11.50% | 100.52%-89.0pp | 70.21%-58.7pp | 552.29%-540.8pp |
| Employer contribution / active EE | $3,588 | $5,284-32.1% | $4,348-17.5% | $4,663-23.1% |
| Participant deferral / active EE | $8,718 | $6,964+25.2% | $6,035+44.5% | $6,689+30.3% |
| Admin fee / account holder | $10,675 | $16,659-35.9% | $12,696-15.9% | $13,390-20.3% |