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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 | $159,934-20.0% | $147,005-13.0% | $145,959-12.4% |
| Participation rate | 90.9% | 84.0%+6.9pp | 82.2%+8.7pp | 80.3%+10.6pp |
| Annual return | 11.93% | 98.24%-86.3pp | 418.76%-406.8pp | 561.95%-550.0pp |
| Employer contribution / active EE | $4,807 | $5,287-9.1% | $4,934-2.6% | $4,661+3.1% |
| Participant deferral / active EE | $7,013 | $8,427-16.8% | $8,070-13.1% | $6,689+4.8% |
| Admin fee / account holder | $2,733 | $15,053-81.8% | $13,006-79.0% | $13,398-79.6% |