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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 | $145,137 | $160,028-9.3% | $147,080-1.3% | $145,884-0.5% |
| Participation rate | 90.0% | 84.0%+6.0pp | 82.2%+7.8pp | 80.3%+9.7pp |
| Annual return | 18.07% | 98.60%-80.5pp | 420.17%-402.1pp | 551.85%-533.8pp |
| Employer contribution / active EE | $4,745 | $5,286-10.2% | $4,933-3.8% | $4,662+1.8% |
| Participant deferral / active EE | $12,017 | $8,422+42.7% | $8,066+49.0% | $6,690+79.6% |
| Admin fee / account holder | $4,680 | $15,030-68.9% | $12,989-64.0% | $13,392-65.1% |