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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 | $95,344 | $159,934-40.4% | $147,005-35.1% | $145,959-34.7% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 13.58% | 98.24%-84.7pp | 418.76%-405.2pp | 561.95%-548.4pp |
| Employer contribution / active EE | $4,528 | $5,287-14.4% | $4,934-8.2% | $4,661-2.9% |
| Participant deferral / active EE | $12,362 | $8,427+46.7% | $8,070+53.2% | $6,689+84.8% |
| Admin fee / account holder | $1,339 | $15,053-91.1% | $13,006-89.7% | $13,398-90.0% |