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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 | $127,917 | $160,040-20.1% | $147,096-13.0% | $145,877-12.3% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 11.93% | 98.49%-86.6pp | 419.75%-407.8pp | 551.28%-539.4pp |
| Employer contribution / active EE | $4,807 | $5,289-9.1% | $4,936-2.6% | $4,663+3.1% |
| Participant deferral / active EE | $7,013 | $8,429-16.8% | $8,071-13.1% | $6,691+4.8% |
| Admin fee / account holder | $2,733 | $15,050-81.8% | $13,005-79.0% | $13,402-79.6% |