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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 | $107,821 | $160,070-32.6% | $147,117-26.7% | $145,897-26.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 13.96% | 98.69%-84.7pp | 420.54%-406.6pp | 552.29%-538.3pp |
| Employer contribution / active EE | $4,271 | $5,285-19.2% | $4,932-13.4% | $4,663-8.4% |
| Participant deferral / active EE | $10,341 | $8,419+22.8% | $8,065+28.2% | $6,689+54.6% |
| Admin fee / account holder | $1,140 | $15,035-92.4% | $12,993-91.2% | $13,390-91.5% |