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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 | $216,928 | $160,028+35.6% | $147,080+47.5% | $145,884+48.7% |
| Participation rate | 75.0% | 84.0%-9.0pp | 82.2%-7.2pp | 80.3%-5.3pp |
| Annual return | 11.84% | 98.60%-86.8pp | 420.17%-408.3pp | 551.85%-540.0pp |
| Employer contribution / active EE | $3,075 | $5,286-41.8% | $4,933-37.7% | $4,662-34.0% |
| Participant deferral / active EE | $18,000 | $8,422+113.7% | $8,066+123.2% | $6,690+169.1% |
| Admin fee / account holder | $790 | $15,030-94.7% | $12,989-93.9% | $13,392-94.1% |