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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 | $120,864 | $160,070-24.5% | $147,117-17.8% | $145,897-17.2% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 16.93% | 98.69%-81.8pp | 420.54%-403.6pp | 552.29%-535.4pp |
| Employer contribution / active EE | $9,751 | $5,285+84.5% | $4,932+97.7% | $4,663+109.1% |
| Participant deferral / active EE | $15,587 | $8,419+85.1% | $8,065+93.3% | $6,689+133.0% |
| Admin fee / account holder | $27,964 | $15,035+86.0% | $12,993+115.2% | $13,390+108.8% |